ABSTRACT
The insurance implications of marine pollution are naturally the concern, first and foremost, of those who provide cover against the legal liabilities resulting from it. Although there are various ways in which pollution may affect rights under hull and cargo policies,1 these do not normally provide cover against pollution liability risks. These risks are borne primarily by the owner of the ship concerned, who will normally insure against them, along with other marine liability risks, by separate liability cover. This is arranged most commonly by entering the vessel in one of the shipowners’ mutual insurance associations which specialize in providing cover of this kind and which are more commonly known as Protection and Indemnity Associations, or P&I Clubs.
