The skipper is the main responsible person on board the boat. He manages the yacht, determines the route of navigation, anchorages or berths, monitors the weather and also uses his naval skills to bring the boat and its crew safely to their destination. Skipper is also the only person who can misjudge a dangerous situation and make a mistake that can cause damage to a vessel or injury to one of the crew or to any third party. To minimize the consequences of his financial situation, there is Premium Yacht Insurance Liability for skipper, crew and passengers.
Given that the skipper and crew are responsible for all their current and future assets, this policy complements the insurance cover that may be missing in the conditions of the boat liability insurance policy. It covers damages to persons and property under the conditions of the skipper's liability for sailboats and motor yachts rented in the charter, and also covers the claims of his own crew towards the skipper and the like. Strictly speaking, the subject of liability insurance is the civil law non-contractual liability of the insured for damage caused by death, injury to body or health, and damage or destruction of the property of a third party while the insured manages a vessel for which he or she is authorized.