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Products & Services

AqM offers a range of tailor made insurance products to address the very wide and sometimes exceptional needs of our clients from ship operators, ship builders, ports and terminals operators, commodity traders, property owners, banks, energy companies, insurance companies and mutual associations.

We are committed to providing you with insightful, knowledgeable market information protecting you against your trading risks using the most financially stable and reliable underwriting security at the most competitive terms.

There are many recognised forms of cover but we are equally at ease working with our clients to develop a bespoke product.

We hope to be of service to you.

Insurance Products

Marine Hull & Machinery (H&M), Increased Value (IV), Equipment, Freight & Mortgagee Interest

Physical loss or damage cover for all types of vessels.  All levels of cover are adapted to the client’s requirements including some more unusual insurances that are available such as Voyage / Tow (including break up), Freight – annual or per voyage, War and Strikes, Loss of Hire and Contingency insurance.

Disbursements / Increased Value

Having covered a vessel’s market value under Hull insurance, an owner may choose to cover the additional costs associated with replacing a lost ship, including sundries such as office expenses, Increased Value/Hull Interest cover meets these requirements.

Equipment

Often required when a vessel is fitted with a high level of specialist equipment to fulfil a specific project. Examples of this could be equipment employed in:

  • Dredging
  • Geophysical research
  • Cable laying
  • offshore exploration or drilling such as remotely operated vehicles (ROV’s)
  • Autonomous underwater vehicles (AUV’s)
  • Trenchers or ploughs
  • Oceanographic survey equipment – buoys
  • Towed sonars
  • Cameras
  • Seismic streamers
  • Diving equipment – suits, hats, umbilical’s
  • SCUBA
  • Diving bells and saturation environments and manned submersibles

Freight Interest

Normally used in conjunction with Hull and Increased Value insurance in order to cover anticipated earnings on future freight (revenue derived from movement of cargo) and commonly insured on a Total Loss Only cover. The maximum permissible insured amount varies according to the conditions applicable to the Hull & Machinery insurance.

Additional Perils

Protects against risks caused by crew’s negligence or a latent defect in machinery provided the owner has used due diligence to ensure a seaworthy vessel.

Mortgagees Interest

This cover protects Mortgagees, often named as additional assureds under a Hull & Machinery policy, for outstanding loans and interest should there be any non-payment of a claim by underwriters due to a breach of warranty by the operator of the vessel.

War, Strikes & Political Risks

Cover against War, Strikes, Riots, Civil Commotions etc. generally, but not always, arranged separately to a vessel’s Hull and Machinery Insurance and extended to include War Protection and Indemnity Risks. Trading to ‘Excluded’ areas (as defined within the London Market’s list of excluded areas) is customarily subject to specific agreement.

Expropriation Insurance

Expropriation insurance protects against confiscation, expropriation, nationalisation, and other host government actions which deprive foreign investors of their rights of ownership or control of their assets. Related political risks that are covered include:

  • Forced abandonment
  • Selective discrimination
  • Business interruption and “creeping expropriation” which is a series of individual government actions which, taken together, effectively result in expropriation.

This political risk insurance can also cover:

  • Non-transfer of dividends
  • Royalties, or other funds following the sale of an asset or disposal of an investment
  • Arbitral award default and denial of justice coverage for debt and equity investors

Piracy/Kidnap & Ransom

Designed to specifically meet the needs of vessel owners in dealing with these risks. Among the benefits are crisis-specialists to assist with negotiating and handling ransom delivery. The policy also normally covers all related costs incurred specifically to secure the prompt safe release of the vessel, crew, cargo, the ransom and certain additional expenses and legal liability.

Terrorism

Global extremists or from domestic turmoil and unrest, businesses face the risk of damage to property, business interruption, forced abandonment/relocation costs and the risk of human casualties/emergency repatriation of staff.

Cover may include terrorism and sabotage, property and equipment damage both domestic and international, business interruption following physical damage, potential third party and employee liabilities.

Protection & Indemnity (P&I) and Freight, Demurrage & Defense (FD&D)

Protection and Indemnity covers the owner for liabilities arising out of the management or navigation of a vessel. The scope of cover available is detailed in each companies terms and conditions or their individual rulebooks, but generally, this comprises of:

  • Injury, illness and death of crew
  • Passengers and stevedores
  • Repatriation of crew and substitute expenses
  • Diversion and other expenses incurred in landing refugees, sick persons and stowaways
  • Collision liability and excess collision liability
  • Pollution by oil or other substances
  • Property damage
  • Towage contract liabilities and liability under other contracts and indemnities
  • Cargo loss, shortage and damage
  • Unrecoverable general average contributions
  • Salvor’s expenses under the 1980 Lloyd’s Standard Form of Salvage Agreement
  • Fines
  • Certain legal and other costs
  • Wreck removal
  • Excess War Risks liability

FD&D

Also referred to simply as “Defence” in most instances an optional adjunct to P&I cover this insures the shipowner from legal costs associated with either the defence or pursuit of a claim relating to the insured vessel, for example, the legal fees resulting from disputes with charterers agents, in respect of sale and purchase, hull and machinery or loss of hire. Limits are generally upto USD2million or multiples thereof.

Marine Liabilities

AqM offers specialist services to clients which include shipping companies, oil/commodity traders, terminal operators, banks, shipbuilders/repairers and port authorities.
We provide coverage for Charterer’s P&I, Charterer’s Damage to Hull, Contractual Liability, Primary/Excess Pollution, Ship repairers/Ship builders, Terminal Operators including Pollution, Maritime Employer’s Liability

Charterers and Shippers Liability

Liability of the charterer for damage to the hull or cargo. There are a number of special extensions to the basic charterers liability wording which can be included as appropriate such as:

  • Wide definition of vessel damage
  • Trapping and blocking
  • Charterers bunkers
  • Back-to-back sub-charters
  • Substitute vessels
  • Detention
  • Transhipments

The main exclusions from the policy are the risks of General Average, Salvage and Salvage Charges. Demurrage is only covered subject to details of the number of days indemnity and daily indemnity required and then only following a marine peril covered by the policy. Under Time and Voyage Charter Parties charterers are exposed to substantial area of risk where damages are caused to the vessel such as supply of defective or contaminated bunkers, if charter parties charterers warrant that the vessel will always be employed in lawful trades “between good and safe ports or places” and it’s not, damage caused to the vessel by stevedores during loading or discharging operations, damage resulting from over-loading.

Stevedores

Cover needs to be broad enough to address the two basic areas of operations, namely loading and unloading of cargo and storage of cargoes. A stevedore is likely to have responsibility for the cargoes that they are handling and also for third party bodily injury claims resulting from the loading or unloading activity including any incidental movements of the cargo.

The main areas of exposure may be identified briefly as follows:

  • Damage to cargo being handled – ranging from such things as damage to motor vehicles whilst being unloaded to the deterioration of cattle due to the failure of a refrigeration unit
  • Damage to the vessel from which cargo is being unloaded – Usually caused by the stevedore’s equipment
  • Damage to leased/hired equipment – It is common for a Stevedoring Company to supply personnel only and lease or hire equipment necessary to carry out their operations. The contracts for such hire or lease invariably create risk exposures
  • Contractual liability exposure – Working within a port area any company will find itself required to sign contractual agreements regulating its relationship with the port authorities and other companies working there and these will create liabilities that must be covered
  • Third Party Bodily Injury and Property Damage – in the situations where other parties and/or their property can come into contact with the operations being covered
  • Errors and Omissions – attributable to a failure to provide the represented services or where due to the incorrect application of expertise a loss results.

Certificate of Financial Responsibility (COFR)

U.S. COFR (Certificate of Financial Responsibility) covers the legal liability in the event of an oil incident or release of a hazardous substance. A COFR is required by all vessels exceeding 300 gross tons using the navigable waters of the U.S. In addition, any vessel, regardless of tonnage, that is lightering or transshipping oil in the U.S. must have a COFR.

Shipowners Liabilty (SOL)

SOL insurance covers a shipowner’s liabilities arising under a contract of carriage where they normally would have cover, but do not because a breach of that contract deprives the shipowner of the ability to rely on rights or defenses that they would otherwise have. In addition, SOL insurance may cover certain liabilities that fall outside of the standard P&I conditions.

Examples where this may arise carriage of cargo under contracts that are carried on elected terms less favourable than:

  • Hague-Visby Rules or the U.S. Carriage of Goods by Sea Act
  • Geographical or other deviations under the bill of lading, Ad valorem cargo or other valuable cargo (such as cash or gold)
  • On deck cargo with under-deck bills of lading
  • Cargo being carried on vessels not named in the bill of lading
  • Dry docking with cargo on board
  • Cargo being transhipped or lightered
  • Cargo being stored on lighters before or after discharge
  • Extended storage of cargo in a warehouse before or after carriage and other such situations.

Loss of Revenue

Loss of Hire

Most time charters contain off hire clauses which may be triggered when the vessel is damaged. Shipowners may suffer significant losses when faced with the time lost during repairs. Loss of Hire is designed to cover this exposure when the ship is wholly or partially deprived of income whilst repairing damages.

Strikes Insurance

There are three main categories of strikes risk for which a Shipowner or Charterer of vessels can cover themselves as follows:

  • Against loss of their ships’ daily running costs when delayed by a strike or lockout during the actual period of a strike, but excluding a strike by the crew of the entered ship.
  • Against loss of their ship’s daily running costs when congestion has caused a delay after the end of a strike or lockout.
  • Against loss of their ship’s daily running costs arising out of a strike of the entered ship’s officers or crew.

Cover can also cover strikes by workers in factories, mines or transport which interfere with the movement of cargo to or from a port, facility or vessel.

Trade Disruption

A break in the supply chain can result in lost revenues and profits as contracts are not won or fulfilled, extra costs may be incurred in sourcing alternative supplies from elsewhere; difficulties in distribution can result in contract cancellation or contractual penalties being incurred. Trade Disruption protects against the effects of such disturbance and policies may encompass physical, logistical and political perils and are a valuable means to ensure the liquidity and balance sheet integrity of a company.

 

Cargo Specie, Stock Throughput and Freight Forwarders

AqM can provide cover for all types of goods, commodities and merchandise for physical loss or damage to goods whilst in transit by land, sea and air or whilst in storage, anywhere in the world.

The Institute Cargo Clauses A, B or C, including War Clauses and Strikes Clauses are the most commonly used conditions with Cargo Clauses A providing the equivalent of “all risks” cover with B and C giving less coverage which is normally reflected in lower premiums for the lower cover.

Exporters may sell on Cost Insurance and Freight (CIF) basis or similar terms, which makes them responsible for arranging the cargo insurance. Alternatively exporters can allow their customers to arrange the insurance and sell Ex Works, Free on Board (FOB) or Cost and Freight (CFR) terms representing the minimum obligation for the seller who merely makes the goods available at his premises for collection by the buyer’s designated carriers.

Whatever the cover you arrange it is important to protect your obligation to contribute to General Average. Only applying to ocean and sea voyages you may be called upon to make a contribution in General Average where loss or damage is suffered to the vessel or cargo, perhaps by way of a sacrifice in order to save or preserve the greater venture, all the parties involved must contribute to covering the loss.

The most common practice is for an importer or exporter to arrange an “Open cover” where a number of consignments or a volume of business is covered for a given period, normally 12 months.

Stock Throughput

This cover is designed for companies that import, distribute, or export merchandise. The policy provides cover for all moveable goods (inventory) that are the subject of the insured’s trade, including raw materials, semi-finished, and finished products. The goods are covered at all times whether in transit, undergoing process (although damage caused by the manufacturing process is excluded), or in storage at owned or third party premises.

Purchasing a separate stock throughput policy rather than basic transit coverage in a property “all risk” insurance policy can provide seamless coverage of goods (preventing overlap in cover and more importantly gaps), will produce premium saving and more control of inventory risks throughout the entire supply chain, from the supplier or point of origin through the goods’ final destination.

Cargo Strikes

Covers loss of or damage from strikers, locked out workmen or persons taking part in labour disturbances, riots or civil commotions, terrorism, violence or political motive.

Project Cargo

There is virtually nothing too large that cannot be transported. Generally anything that cannot be sent by container or other conventional method is categorized as a project cargo. They often involve heavy objects, over a ton in weight or large, long or awkward objects.

Very often plant and equipment is assembled and then loaded onto special transport platforms for movement sometimes short distances other times over continents. Other examples are boilers, generators, turbines, reactors, boilers, engines and machinery, vessels, trains and military equipment.

All these items can be covered for movements by any conveyance on all risk conditions including storage and installation. Coverage can be extended to include loss of anticipated earnings or profit and expenses including delayed start-up expenses.

Commodities

To cover Banks and Traders interest in raw materials such as aluminum, copper, nickel, gold, silver but also coffee, cocoa, cotton and orange juice. This type of policy will include cover during storage and transit by any conveyance over land, water or air by steamer, barge, parcel post, road, rail or messengers and every conveyance overland or by inland waterways of any description.

Rejection Insurance

This specialized insurance provides coverage for rejection or condemnation of the goods or cargo by government, port, health or veterinary authorities. Typically the cover is sought for seafood, meat and certain agricultural produce.

Cover is normally arranged for a sea voyage from port of departure to port or place of destination and terminates on arrival at warehouse or store. Period of cover can be extended for an inland transit or until the goods have been passed as fit by the government of the country of import. Normally the goods need to be produced, prepared and packed in accordance with regulations of country of origin and inspected as fit prior to commencement of risk.

Containers

Exposures in relation to the ownership and leasing of containers. The requirement is normally for physical loss or damage and third party liability solutions to protect these valuable business assets in this highly specialised and compact market. In addition it is often required to cover chassis liability and this cover is available.

Freight Forwarders / Logistics Operators

Freight forwarders insurance covers liability, errors and omissions and marine cargo. Cover is designed to provide protection up to the limits of liability outlined within the trading conditions, or by international convention or as otherwise agreed, where appropriate. The main conventions normally affecting international trade are either Hague-Visby Rules: sea transport, CMR Conventions: road transport, Warsaw Convention: air transport.

For further details of the Marine Cargo insurance products please refer to the above section.

Errors and omissions covers mistakes in handling the minefield of various shipping terms and conditions and customs requirements. Claims made arising from breach of duty, negligent act, error or omission such as incorrect instructions, faulty arrangements or clerical errors or omissions.

Property, Business Interruption, Loss of Rent, Contractors All Risk (CAR)

Covers material damage to the property, contents, stock and plant from exposure to insured perils such as fire, lightning, flood, explosion, storm or tempest, earthquake, terrorism, burst pipes, boiler and machinery, impact, malicious damage, aircraft, theft computer viruses, riots strikes and civil commotion. Some property policies provide accidental cover on an all risks basis.

Business Interruption

Offered an as optional extra to property insurance. Covers loss of income during periods when the insured cannot trade as usual due to a loss from an insured peril. This cover aims to place the business back in the same trading position it was in before the event occurred covering loss of pre-tax profits. Most business interruption policies, but not all, provide cover for ICOW (Increased Costs of Working) which relates to expenditure incurred by the Owner of the business in restoring it to its pre-loss position (eg overtime payments to staff etc.).

Loss of Rent

This policy cover the loss of rent or rental value to an insured peril that renders the leased premises uninhabitable, thereby excusing the tenant from paying rent.

Contractors All Risk (CAR)

The main areas of our comprehensive range of services for the construction industry encompass construction all risks, erection all risks, public / products liability, employers liability, delay in start-up, non-negligent liability, professional indemnity, environmental liability, latent defects, performance bonds.

Marine Ports & Terminals Operators

Protects companies involved in the carriage, handling or storage of cargo against legal liabilities arising out of the conduct of their business. Insurance provided is generally for cargo handling/stevedoring operations, marine terminals operators, warehousing operations, port authorities, container freight stations operators, depot or air freight terminal operations and equipment repair.

Cover will normally include liabilities for loss or damage to cargo, vessel and equipment liability, removal of wreck and pollution, errors and omissions, fines and penalties, third party liability, loss or damage to owned equipment, real property, legal and defence costs and business interruption.

Ship Repairers, Ship Builders, Guarantees and Liabilities

Gives cover for the vessel and related property and materials from the start of construction through to the final delivery to the customer. Coverage can be placed for the builder or owner of the vessel and insures against physical loss or damage to the vessel, collision liability and protection and indemnity exposures during sea trials and delivery.

Ship Repairers

Protects loss or damage to vessels at all times whilst in the ship repairers care, custody and control including whilst being worked upon, being shifted in tow or otherwise or on trials. The basis of cover is normally the London market wording which covers:

  • Loss/damage to the vessel in the care of the Assured for the purposes of being worked upon
  • Shifting and moving within the port confines, including trial trips
  • Loss/damage to cargo etc. on or discharged from the vessel being subject of repair
  • Loss/damage to machinery whilst removed from vessel for the purpose of being worked upon, including whilst in transit between vessel and repairers premises
  • Removal of wreck
  • Loss/damage to Third Party property arising from ship repairing activities
  • Sudden and accidental Seepage & Pollution

Dependent on the location of the yard and facilities it is possible that more than one vessel could be damaged in the same accident; a common cause would be fire, which could spread to other vessels in the yard awaiting repair or re-delivery.

The standard cover afforded by the London market wording form as written does not include liability for third party bodily injury, loss of life or personal injury although cover for these exposures is available by negotiation.

Ship Repairers Liability (SRL) insurance is designed to provide cover against liabilities arising from acts of negligence which result in loss or damage to the property of others whilst being worked upon at the yard or personal injury to others whilst visiting the yard.

  • Other work, being repair and modification operations carried out by the yard which do not fall with the scope of ship repair
  • Coverage for workmen employed by the Assured whilst away from the yard, including whilst repairs are carried out onboard vessels or rigs or at other yards
  • Legal liability for death or personal injury (other than liabilities arising under employers’ liability or workmen’s compensation schemes)

Ship Builders

Every shipyard will have a unique blend of exposures created from the type of vessels under construction and the facilities of the yard. Institute Builders Risks Clauses covers the builder for physical damage to a vessel while under construction and it is usual to supplement the standard cover with extensions to address the specific exposures appropriate to the operation.

In addition to providing cover for physical loss or damage, insurance cover will normally also include cover for third party liabilities, damage arising from faulty design, sea trials, war risks (whilst waterborne) and strikes coverage. Where appropriate, cover can be extended to include cargo risks for parts and machinery during storage and transportation to the yard, towage of a hull from a sub-contractors yard and expenses incurred by the yard following postponement of a launch.

The yard will need to consider covering the following:

  • Physical loss or damage to the vessel under construction
  • Liability to third parties
  • Physical damage to ship yard buildings and assets
  • Loss or damage to parts, equipment in store
  • Loss or damage to parts in transit
  • Penalties arising from delayed or non-delivery
  • Loss of revenue
  • Employers liability, public liability, contractual liability and general liability

Shipbuilders Guarantee Risks

Shipbuilding construction contracts usually incorporate guarantees given by the builder which warrant against faulty workmanship or defective materials used in the construction of a vessel. Such guarantees usually run for 12 months following delivery of a vessel or rig, although the warranty period may extend beyond 12 months for specific parts or materials used in construction.

Cover will customarily include costs of opening up, dismantling, repairing, refitting and replacing of faulty parts or workmanship at the builders yard. Where required, coverage may be extended to include cost of travel to other locations (eg if it is not practical for the vessel to be returned to the original yard) and increased costs of repair at alternate shipyards.

Ship Builders Delay

These insurances are designed to protect the builder against loss of interest and financial penalties in the shipbuilding contract following delay or non-completion of a vessel under construction. The trigger for a claim under the Delay in Delivery policy is generally linked to an insured peril under the Builders’ Risks insurance. Cover may also be provided where a buyer lawfully refuses delivery of a vessel, following a delay. The nature of this cover means it is normally available only to established shipyards with a proven track record of delivering vessels within acceptable parameters.

Losses arising from delay are covered separately from those arising from total loss or contract cancellation. The risks covered as defined by the insured events are, however, the same. There are four classes of insured events each one has, as a starting point, that all events within the group are covered subject only to the specified exclusions. This approach makes for simpler clauses and is more favourable to the Assured. It also means that we can avoid the notorious phrase ‘latent defect’ which has caused so much confusion and litigation.

All damage to the vessel or any part of it is regarded as an insured event unless proximately caused by one of a limited number of standard exclusions. The Insured Events can be categorised as follows:

  • Physical loss of or damage to the vessel or any part thereof including loss or damage during transportation
  • Damage to the premises, plant or equipment of the Builder or any sub-contractor including any contractor for Buyer’s supplies
  • Failure during launching, even though there is no damage to the vessel or yard or the blocking of any waterway, harbour etc., or any transport way or facility on land by any physical obstruction
  • Any event defined as force majeure in the construction contract

Dependent on the location of the yard and facilities it is possible that more than one vessel could be damaged in the same accident; a common cause would be fire, which could spread to other vessels in the yard awaiting repair or re-delivery.

Energy & Construction Liability

Protecting assets, expenses and liabilities of the energy sector for clients involved in power generation and utility companies, drilling and service contractors, exploration and production companies, refining and petrochemical operators, transmission and distribution.

Cover provides for:

  • Physical loss of or damage to property
  • Operators’ extra expenses / control of well / re-drilling
  • Offshore construction & decommissioning
  • Onshore construction & decommissioning
  • Machinery breakdown and business interruption
  • Consequential loss (business interruption / loss of production or delay in start-up)
  • Contingency coverage
  • Liabilities (primary and excess)
  • Protection and indemnity
  • War
  • Terrorism and political risks
  • Cargo& transportation
  • Construction builders’ risks
  • Contractor’s plant & equipment
  • Food spoilage (for the biofuels /agro-products’ markets)

AqM has expertise in upstream energy, downstream energy (including renewables and power), casualty, property and construction.

Operational All Risks including Business Interruption

Protects against unexpected events including weather, fire and mechanical and electrical breakdown events that may damage your property or ability to generate power.

Physical Damage from weather related events to human error, we provide comprehensive coverage for damage to your physical assets during the ongoing operations. We understand the need to act quickly to repair the damage and get your operation up and running.

Mechanical & Electric Breakdown, sudden and unforeseen failure or breakdown of mechanical or electrical equipment during day to day operations.

Business Interruption coverage compensates for income lost due to the interruption of power generating activities, including PTC and REC considerations. Contingent Business Interruption coverage for loss of earnings of your project if a supplier, business, sub-contractor, key customer or manufacturer cannot continue to operate because of damage or destruction.

Yacht

Hull Insurance covers loss of, or damage to your own vessel caused by any one of a number of specified insured perils. Third party liability insurance protects you, and anyone using your vessel with your permission, against claims from other people for damage to their yacht or other property, or for personal injury, when you are legally liable due to your negligence. It does not cover you or anyone else for pure accidents if there is no negligence/legal liability.

Personal Accident Insurance pays a lump sum benefit to anyone who is in any way permanently disabled as a result of an accident on or around your vessel.

Legal Expenses Insurance covers legal expenses and provides expert legal advice and support for problems relating to ownership of your vessel, from contractual disputes with suppliers of parts to employment advice if you have paid crew.

Hull War Risks Insurance provides cover for those war, terrorist and civil commotion risks that are excluded under the standard Hull Insurance Contract, giving you time to move your vessel to a safer location.

  • Political Risks

Political Risks & Trade Credit Insurance enables International Banks, Corporations and Traders to pursue foreign trade and investment opportunities with confidence to cover against the threat of country risk, economic risk or political violence overseas

In particular this type of insurance covers against:

  • Risks confiscation or expropriation of equity mobile assets or collateral for finance
  • Non-payment for goods and services sold or provided to overseas public buyers and political or economic events affecting the flow of trade
  • Currency convertibility issues
  • License cancellation or embargo
  • War or other force majeure events

Reinsurance

AqM works to understand the broad financial landscape before making recommendations for a specific solution. We explore potential opportunities as well as the challenges at hand. Then we work through the data adopting an analytical approach to develop a comprehensive view of the risk and the best way to transfer it in line with the required goals and objectives.

Contingency Insurance

In addition to the standard insurance programmes we are able to offer a range of contingency covers which may provide protection against more specific exposures. Examples of these would be: adverse weather, financial loss and cancellation and abandonment due to terrorism.

Claim & Salvage assistance

AqM provides at 24 hour helpline to assist to assist you in the event of suffering a loss. This is considered to be a very important part of our service and we aim to provide our client with help and support from first advice of loss through to settlement.  We also have several contacts in the salvage industry so we are able to provide you with immediate assistance in this regard (see section on claims successes).

Risk Management

AqM can help manage your business risks and has extensive experience in developing solutions to minimise your exposure in the areas of both company operations and strategies. We can assist you in ensuring that you are compliant with ever changing legal requirements and that risk management strategies are deeply entrenched into your business planning.

Physical loss or damage insurance for all types of vessels to covering the extensive types of trading liabilities…

Covering all types of goods, commodities and merchandise for physical loss or damage…

Material damage to the property, contents, stock and plant from exposure to insured perils and other operational risks…

Protecting assets, expenses and liabilities of the energy sector for clients involved in power generation and utility companies…

Insuring the hull against loss or damage, third party liability, personal accident, legal expenses…

 TWITTER IN MAIL

RISK MANAGEMENT

We focus on our clients’ needs with the aim to
minimize risk. AqM will go beyond the usual
boundaries of the standard insurance broker;
we combine knowledge, flexibility and progressive
thinking to achieve transparency for our clients.

CONTACT US

LONDON OFFICE
The Baltic Exchange, 38 St Mary Axe, London, EC3A 8BH, UK
info@aqmltd.com

PANAMA OFFICE
77th Street, San Francisco, Bldg 26,
Panama City, Republic of Panama
info@aqmltd.com
Direct dial from Panama + 838 6053

 

CLAUSES & PROPOSAL FORMS

For your information and convenience we have published a number of Insurance Clauses, and Proposal Forms for you to download to view or print.

AqM is Authorised and Regulated by the UK Financial Conduct Authority (FCA) – 311727
Republica de Panama Superintendencia de Seguros Reaseguros ROC (Registration Number) – 002