March 26, 2018

“What is Boat Builders Insurance?” I was asked at a networking event recently. Well of course the obvious response would be a rather glib “Insurance for people that build boats” but, thankfully,I took a little time to pause before answering as the answer is, perhaps, not quite as straightforward as one might think.

First of all, we have to ask ourselves “What is a boat builder?” This is important because there are a lot of marine businesses who include that activity in their business description but repair boats rather than actually build them. Similarly there are people who build boats but do not describe themselves as boat builders. For example a shipwright may build or repair vessels – these could either be leisure-craft – what we would normally term a boat – or a larger commercial vessel which we would describe as a ship. We can also add to the mix those craftsmen who restore boats rather than build them from scratch as well as those individuals or businesses that will “fit-out” a shell of a vessel, either for their own use or as part of their commercial activities.

So, Boat Builders Insurance is a specific insurance solution that may form part of a larger insurance programme for individuals or businesses that conduct one or more of the following activities but may not necessarily describe themselves as a boat builder:

• Manufacture or building of leisure-craft and/or some commercial vessels.

• Restoration of vessels such as classic or historic craft.

• Refitting of leisure-craft.

• Boat fit-out.

Whichever of those activities listed above are being conducted the structure of the Boat Builders Insurance solution is a standard format. It will provide specialised cover for physical damage and for third party liability. Let’s have a look at the elements of what the Market terms Builders Risks in turn:

Physical Damage:

Insurance policy wordings will obviously vary from insurer to insurer and should be checked for the precise scope of cover, conditions and exclusions. However, broadly speaking a Boat Builders Insurance Policy will provide “All Risks” cover in respect of physical loss or damage to vessels under construction including hulls and machinery, gear and equipment. It may also, depending on the policy wording, cover any associated moulds and moulding tools. Other cover provided under the Physical Damage part of the cover may include specialised provision for costs such as:

• Repairing or replacing any defective part that is condemned due to discovery of a latent defect during the boat’s construction. Faulty welds, however, would more than likely be excluded.

• The costs of completing the launch of the insured vessel under construction following the failure of a launching operation and the cost of inspecting the bottom of the vessel after a grounding if reasonably incurred specifically for that purpose.

• Loss of or damage to the boat in build due to faulty design of any part or parts of the vessel and the cost of salvage of the boat in build reasonably …

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They inhabit self-imposed ghettoes, subject to derision and worse, the perennial targets of far-right thugs and populist politicians of all persuasions. They are mostly bound to menial jobs. They are accused of spreading crime, terrorism and disease, of being backward and violent, of refusing to fit in.

Their religion, atavistic and rigid, insists on ritual slaughter and male circumcision. They rarely mingle socially or inter-marry. Most of them – though born in European countries – are not allowed to vote. Brown-skinned and with a marked foreign accent, they are subject to police profiling and harassment and all manner of racial discrimination.

They are the new Jews of Europe – its Muslim minorities.

Muslims – especially Arab youths from North Africa – are, indeed, disproportionately represented in crime, including hate crime, mainly against the Jews. Exclusively Muslim al-Qaida cells have been discovered in many West European countries. But this can be safely attributed to ubiquitous and trenchant long-term unemployment and to stunted upward mobility, both social and economic due largely to latent or expressed racism.

Moreover, the stereotype is wrong. The incidence of higher education and skills is greater among Muslim immigrants than in the general population – a phenomenon known as "brain drain". Europe joins the best and the brightest – students, schools, scientists, engineers and intellectuals – away from their destitute, politically dysfunctional and backward homelands.

The Economist surveys the landscape of friction and withdrawal:

"Indifference to Islam has turned first to disdain, then to speculation and more recently to hostility … (due to images of) petro-powered sheikhs, Palestinian terrorists, Iranian ayatollahs, mass immigration and then the attacks of September 11th, executed if not planned by western-based Muslims and succored by an odious regime in Afghanistan … Muslims tend to come from poor, rural areas; most are ill-educated, many are brown. Politicians. They speak the language of the wider society either or not at all, so they find it hard to get jobs. Their children struggle at school. withdraw into their own world, (forming a) self-sufficient, self-contained community. "

This self-imposed segregation has multiple dimensions. Clannish behavior persists for decades. Marriages are still arranged – relationship brides and grooms are imported from the motherland to wed immigrants from the same region or village. The "parallel society", in the words of a British government report following the Oldham riots two years ago, extends to cultural habits, religious practices and social norms.

Assimilation and integration has many enemies.

Remittances from abroad are an important part of the gross national product and budgetary revenues of countries such as Bangladesh and Pakistan. Here their frantic efforts to maintain the cohesive national and cultural identity of the expats. DITIB is an arm of the Turkish government's office for religious affairs. It discourages the assimilation or social integration of Turks in Germany. Turkish businesses – newspapers, satellite TV, foods, clothing, travel agents, publishers – thrive on ghettoization.

There is a tacit confluence of interests between national governments, exporters and Islamic organizations. All three want Turks …