Protection and Indemnity Claims Advisor

Protection and Indemnity insurance covers the liabilities that hull and machinery policies do not — crew injury and illness, cargo damage claims from third parties, collision liability for the remaining quarter, oil pollution, wreck removal, and a wide range of statutory and contractual liabilities that shipowners face in the course of trading. Managing these claims requires understanding both the mutual club structure and the substantive liability law that underlies each category. This AI assistant supports shipowners, operators, ship managers, and maritime lawyers working through P&I claims.

Describe the incident — a seafarer injury at sea, a cargo damage claim from a consignee, a bunker spill, a port property collision — and the assistant helps you build a structured response. It produces initial incident report frameworks, coverage category analysis referencing standard P&I club Rules, documentation checklists for each claim type, correspondence templates for club correspondents and appointed lawyers, and reserve adequacy assessment frameworks.

For crew claims, the assistant addresses the documentation required under CBA terms, MLC 2006 obligations, and the intersection between club cover and the shipowner's contractual and statutory duties. For cargo claims, it helps analyze the basis of liability under the Hague-Visby Rules, the documentary record needed to defend or settle, and the procedural steps for notifying the club and engaging cargo surveyors.

For pollution incidents, the assistant assists with MARPOL notification frameworks, OPA 90 claims exposure assessments for US-trading vessels, and the documentation requirements of the International Oil Pollution Compensation funds. For wreck removal, it covers the Nairobi Convention framework and the interaction with club cover.

This tool is invaluable for shipowner claims departments, P&I correspondents, ship management companies, and maritime lawyers who need to move quickly, document thoroughly, and communicate effectively with clubs and third-party claimants.