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Ship ownersâ Liability to Cargo Cover, refers to insurance that protects carriers from liabilities arising due to breaches of the contract of carriage. When a breach occurs that prevents the carrier from using available defenses or limitations, this coverage ensures they are protected. Carriers sometimes need to deviate from the agreed route or Bill of Lading (B/L) for various reasons, exposing them to potential cargo liability. While deviations can be covered by Liability Insurers on specific occasions, SOL cover provides broader protection for such deviations during the policy period.
SOL cover includes specific liabilities that are typically excluded from standard Liability Cover. A common example is geographical deviations or changes to the agreed voyage, where liability for cargo loss or damage due to such deviations falls outside the scope of regular Liability coverage.
Tanja is a highly qualified professional with degrees in Law and Maritime Law and Sciences from the University of Ghent and the University of Brest. She also holds several certificates relating to EU Customs law. From 1994 to 2007 she worked as a lawyer in Antwerp specialising in various legal aspects of shipping, transport and logistics sector. From 2007 to 2016, she worked at international insurance brokers Marsh and Aon in Belgium and The Netherlands, initially as a Claims Advisor and subsequently as a Claims Manager and Director. In this role, she dealt with various types of marine insurance claims. In 2016, she changed from a Marine Claims role into Marine Insurance Broking. Tanja joined Dutch P&I as Broking Director on 1 June 2022.
Nick earned his Master's degree in Maritime and Transport Law from Erasmus University in Rotterdam. He embarked on his maritime insurance career in 2015 as a broker at SAA Overvliet, where he specialized in H&M, P&I, FDD, and builders' risk, primarily serving clients in inland shipping. In 2018, Nick transitioned to Dutch P&I as a Maritime Liabilities specialist broker. His expertise encompasses various types of marine liability, including P&I, FDD, charterers liability, and logistics liability, catering to a diverse clientele such as shipowners, charterers, traders, and port operators. With years of experience, Nick is dedicated to finding the most suitable insurance solutions for each client.
Michelle is a graduate of the Erasmus University in Rotterdam, where she specialised in Maritime and Transport Law, achieving a Master's degree. Following an internship at a law firm, she spent the next five years as a claims handler at Dutch P&I, handling P&I and Defence claims on behalf of clients and assisting with legal and operational matters, such as contract reviews. After a year away from the maritime industry, she returned to Dutch P&I in 2023 as an insurance broker, where she now assists clients by negotiating the best insurance solutions for their needs.