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Addr : Atlantic Mutual Association, AMA. PO Box 119,
Martello Court, Admiral Park, St Peter Port, Guernsey
Call Support :
+55 11 3199 0506
Email :
info@amapni.com

About Us

Atlantic Mutual Protection and Indemnity Association is a professional Marine Protection and Risk Control Provider to the global maritime industry, combining financial strength with outstanding service to help our Members meet the continually evolving liability environment in which Shipowners and Charterers operate. We provide an extensive, diverse portfolio of covers for Shipowners, Offshore Contractors/Operators, Charterers, Traders and Yacht Owners, whom we are committed to serving their Protection and Risk Control needs professionally. The Club provide services for vessels trading worldwide with 24/7 support from our experienced Claims Team and P&I Correspondents in every port of the World. 

The Club aims to protect our members from the rigors of the seas and provide a safe haven and provide a high level of service with many years of expertise in the shipping and P&I industry. We are dedicated to protecting ocean industries, lives, health, environment and property. We sharing knowledge and expertise, particularly in order to improve safety and promote best practice across the industry. Our Vision is to be the leading marine services providers. We have also always invested in our intellectual capital we aim to create and share best practices both internally and externally. People is always being our most valuable asset leading the Company to top positions in the marine industry. We have solid casualty and emergency response experience which together with our comprehensive Loss Prevention Programme makes us the global leader within our field.

The Club's financial results have remained strong, indicating significant growth from 2018 year to the end of 2023 year. Moreover, cumulative claims have decreased, reinforcing the Club's financial strength. The Club has successfully maintained its strong financial position.

Our Services

Atlantic Mutual Association provide following services to our clients:                                                                                                                                         

Protection and Indemnity (P&I)

P&I covers Shipowners against claim in relation to people, the environment, and third party property and for the care and carriage of cargo including GA. In an increasingly hostile environment against Shipowners secure coverage with professionals is essential for the modern shipowners: The principal risks covered are liabilities, costs and expenses for shipowners from third parties.

"Third parties" are any person, apart from the ship-owner himself, who may have a legal or contractual claim against the ship. The principal risks covered are liabilities, costs and expenses for: Injury, illness and death of crew, passengers or other persons on board, Cargo, loss or damage. Legal liability is decided in accordance with the laws of the country where an accident takes place. The P&I insurance cover for contractual liability which is agreed at the time the owner requests insurance cover from the club and is usually in accordance with the owner’s responsibility under crew contracts or special terms relating to the trading pattern of the vessel.

The basic rule governing P&I cover is that the liability or loss must arise:                                                                                                                         

In respect of the Member’s interest in an Entered Ship; and                                                                                                                                              

Out of events occurring during the period of entry of the Ship in the Association; and                                                                                                    

In connection with the operation of the Ship.                                                                                                                                                                     

Please download the Club’s P&I RULES if you need. 

                                                                                                                                                                

Freight, Demurrage and Defense (FD&D)

FD&D provides assistance to Members for the cost of legal representation and expert advice in relation to claims, disputes and other matters of a shipping nature which are not already covered by P&I and are not covered by any other form of insurance. FD&D cover provides practical support and expert assistance to members in avoiding and, where necessary, resolving disputes involving the operation of their ships.

Usually it is provided under club’s Rules in the ordinary way, to an overall limit of liability per claim as well as a deductible which usually entails some contribution from the assured to the cost of prosecuting or defending a relevant claim but subject, in the normal way, to an overall cap.

FD&D insurance is a secondary cover so FD&D provides assistance only if the dispute in question falls outside the scope of the other insurances in place, such as P&I or H&M.

The club has its own set of legal team which assist member and In case where external lawyers are instructed, the Club still manages the case.

FD&D cover is provided on a discretionary basis. Members can be reassured that the merits of claims involving the Class will be carefully evaluated – with close ongoing attention paid to the provision of proper and proportionate support in appropriate cases.

It should be noted that FD&D cover does not provide insurance against any principal sum of dispute- e.g. unpaid hire or dead fright under a charterparty – but it does cover the cost of employing lawyer and other experts in the prosecution or the defence of such matters.

Hull & Machinery (H&M)

Hull & Machinery (H&M) insurance is insurance against physical damage to the vessel. The vessel is insured to its full value, whereby the insurance, depending on the extent of protection chosen, compensates total loss of the vessel, salvage, partial damages to one’s own vessel, collision liability, ice damages, engine-damage, and the vessel’s contribution to general average.

Despite modern technical and technological progress safety at sea is far from being absolute. Maritime craft are subject to unpredictable natural phenomena like perils of the sea, human errors, as well as modern events like terrorism and piracy. Each of them may cause a severe loss. So it is only fair to say that a probability of accidents in seaborne trade will exist probably forever. Along with that an average amount of H&M losses incurred by ship-owners attributable to such occurrences tends to increase due to expansion of world merchant fleet, growth of ship values and increase of repair costs. An H&M policy protects ship-owners against physical loss or damage to the vessel’s hull, machinery and everything connected therewith.

Increased Value

Increased value insurance is a cover against total loss of the insured vessel. A total loss of the vessel can put the Shipowner in a situation, where the hull value insured is insufficient to cover the costs for replacing the lost vessel. The increased value insurance makes it possible for the ship owner to replace the vessel and moderate the economic effects of a total loss. By taking out freight interest insurance the shipping company can safeguard itself against a long-term future loss of income, and in that way get cover for loss of income, which is excluded in the loss of hire insurance. The insured value of each insurance is normally a maximum of 25% of the hull & machinery insurance value.

Loss of Hire Insurance

Through a loss of hire insurance the Shipowner protects the potential loss of income when a casualty occurs and vessel is off-hire. Compensation is subject there is recoverable damage on the H&M insurance but would exempt a total loss situation. The extent of the insurance and the insurance premium are based upon an agreed daily indemnity during a certain period per occasion and year. The daily indemnity should correspond to the ship owners’ actual loss of income if the vessel is off-hire for an extended period of time.

Scope of Cover

The Club offer H&M cover which is based on the “named perils” principle – marine perils that a shipowner undergoes during maritime adventure, subject to the standard exclusions, similar to ITC Clauses. On request and for the convenience of Assureds we offer H&M cover based on other markets’ recognized Rules or Clauses.

Under H&M policy we will cover loss and damage incurred by the Assured up to the sum insured in respect of the following extent of cover:

Vessel’s hull, machinery and other equipment;                                                                                                                                                                   

Salvage and Salvage charges;                                                                                                                                                                                             

General average contribution;                                                                                                                                                                                             

Sue and labour;                                                                                                                                                                                                                   

Proportion of Liability for collision with another vessel (3/4ths or 4/4ths);                                                                                                                        

Loss of Hire.                                                                                                                                                                                                                         

Claims Handing                                                                                                                                                                                                                   

How we operate

The objective of our Claims Department is to handle critical situations and claims in the most professional way possible and Shipowners always that we will be here if one ever needs advice or to make a claim. We understand issues and priorities of the Shipowners and work to find ways of resolving situations and crises in the most positive, supportive and compliant way.

Our Resources

Our claims handlers, lawyers and surveyors have extensive legal and operational competence. Our team members come from a variety of backgrounds, including International Group clubs, fixed cost providers, shipowners and law firms. Extensive expertise and knowledge allow us to deal with every aspect of a claim in-house and enables us to plan ahead for any potential issues that may arise.

Our worldwide network of P&I correspondents with over 480 correspondents in more than 250 ports provides additional service and expertise when needed wherever you are in the world.

Loss Prevention

Our Loss Prevention Department supports Assureds in operational and technical matters, assisting them in minimizing their exposure to claims. Loss Prevention team includes experienced master mariners, naval architects, ship production engineers and specialist surveyors who are on hand to provide advice and administer risk assessment surveys.

Loss prevention activities include presentations, seminars, training and on board assessments as well as Loss Prevention publications issued on a regular basis, highlighting a wide range of risks that they may be exposed to and advising how to avoid such a loss.