Guides
Yacht cover during contractor repairs
A yard subcontracts electrical work while the boat is ashore. An invoice from the yard does not tell you which business performs the work, whether tests require launching or how responsibility is allocated. Record the scope and discuss unusual work with the insurer before it starts.
Contractor insurance and repair records
- Written work scope, exclusions and subcontractor details
- Dates and locations, including any movement or sea trial
- Contractor insurance evidence and relevant qualifications
- Completion records, photographs and test documentation
Keep the original documents as well as a readable summary. Use filenames that identify the vessel, date and subject so another owner, skipper or assessor can follow the record. Store an offline copy of the current certificate and emergency contact details for use when connectivity is poor.
Confirming cover while work is underway
Start with the related detailed guide, then describe your actual scenario to the insurer or broker. Ask them to identify the applicable wording and any action required before you proceed. Keep the question and response together; a general product brochure cannot resolve a vessel-specific condition.
Frequently asked questions
Should I assume the contractor pays for any damage?
Do not assume liability or coverage from the presence of a contractor. The cause, contract and insurance arrangements need to be assessed. If damage occurs, notify your insurer promptly and preserve the work records without agreeing a final settlement prematurely.
Which documents should I read together?
Read the current Product Disclosure Statement with the policy schedule, certificate and any endorsements. Check that you have the version applying to your cover period. Your own document set is the starting point for a specific coverage question; this guide supplies a preparation method rather than a promise of cover.
Related guides
- Hardstand and Dry Storage Boat Insurance
- Yacht Insurance Guides: Buying, Renewals and Claims
- Catamaran Insurance During a Refit Ashore