Insurance, in general, covers damage to the vessels hull, fittings, its machinery and installed equipment as a result of an unforeseen and unexpected event. Where P&I insurance is intended to insure a shipowner’s liability to others, Hull & Machinery insurance is mainly to cover the ship as the Owners’ primary asset. Hull & Machinery and P&I become complimentary in the event of collision liability and damage to fixed and floating objects. Our insurance surveys focus on the structural integrity and safety of your vessels.