"Helmsman" is a hull insurance policy specifically designed for charter and small tourist boat operators. Whilst designed for skippered charters, the wording can also be used for bareboat charters. The policy wording is in a plain English style and includes cover for:

• Sudden and unforeseen accidental and direct physical loss or damage to the vessel's hull, machinery and equipment whilst afloat, ashore or whilst being transported on land.
• Accidental physical loss or damage to the vessels trailer from an external physical cause.
• Accidental physical loss or damage whilst gear and equipment is on board the vessel or whilst being removed from the vessel.
• Legal liability incurred through the use of the vessel for:
  • Damage to another vessel from collision
  • Loss of life or bodily injury to other people
  • Removal of wreck
  • Damage to other property such as wharves, buoys, cables etc.
• Punitive or exemplary damages up to $250,000.
• Legal defence costs, including representation at Maritime New Zealand, TAIC or Coroner inquiries.
• Legal liability for claims made as a result of an employee sustaining personal injury arising out of operation of the vessel.
• Fines, penalties and defence costs for inadvertent breaches of New Zealand’s Resource Management, Maritime Transport or Health & Safety in Employment Acts (except fines under the Health & Safety in Employment Act).

• Loss of earnings, where the vessel is prevented from earning as a result of a risks covered under the hull section of the policy.
• Personal watercraft/jetskis that are normally kept on board the vessel.
• Damage to sails, masts, spars rigging etc, whilst the vessel is wind racing.

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