{"id":10749,"date":"2011-12-17T02:03:14","date_gmt":"2011-12-17T02:03:14","guid":{"rendered":"http:\/\/192.168.1.14\/index.php\/2011\/12\/17\/ship-managers-as-co-assureds-ii\/"},"modified":"2025-09-01T01:21:50","modified_gmt":"2025-08-31T17:21:50","slug":"ship-managers-as-co-assureds-ii","status":"publish","type":"post","link":"https:\/\/andrewliu.com.hk\/zh\/ship-managers-as-co-assureds-ii\/","title":{"rendered":"Ship Managers as Co-assureds\uff08II\uff09"},"content":{"rendered":"

 <\/span>\"pdf\" <\/span>ENG<\/a>   \"pdf\" <\/span>\u4e2d\u6587<\/a><\/p>\n

We have discussed the issue “Ship Managers as Co-assureds” in our Circular Ref 2011\/0016 dated 21 June 2011 which has drawn wide attention from our clients.<\/p>\n

In that Circular, we showed several examples where the manager under a misdirected arrow clause would not be able to enjoy benefit of the Club’s cover which one would have enjoyed as if a full coinsured. In this supplementary circular, we would consider from the financial side.<\/p>\n

Basically, Co-assurance protects the co-insured from his own acts and defaults. “Misdirected arrow” co-assurance relates to owners’ acts and defaults<\/p>\n

It refers that even if there is a good case in favour of owners, if the owners have gone bust, under the cesser of insurance clause, the Club’s cover shall be ceased in respect of any ships entered by that Owners or on their behalf from that date. In other words the entry ceases from that date and that would extend to any co-assureds on the entry. Although the Club would continue to cover any claims arising from an event which occurred prior to the date of cessation, it is subject to the Rules including those relating to payment of calls and other sums due to the Club by the owners.<\/p>\n

In a bankruptcy\/winding up situation, if that the owners are unable to pay calls and other outstanding sums due to the Club which may lead to cancellation of the entry. Under these circumstances, the Club would cease to be liable for any claims.<\/p>\n

Unless agreed the otherwise at the inception of the policy, both joint members and co-assureds are liable for the premium if the original member become insolvent. The Clubs take the view that the manager is obtaining substantial benefit and paying no up front premium. Therefore, “The obligation to pay if the original member does not is usually non-negotiable.”<\/p>\n

In reality, we would suggest a management look hard at the owner’s financial security before entering into the management contract.<\/p>\n

See attached file : ALCO20110040 Ship Managers as Co-assureds (II).pdf<\/p>\n

 <\/p>\n

\u8239\u8236\u7ba1\u7406\u4eba\u4f5c\u4e3a\u5171\u540c\u53d7\u4fdd\u4eba\u7684\u76f8\u5173\u6cd5\u5f8b\u95ee\u9898\uff08\u4e8c\uff09<\/strong><\/span><\/p>\n

\u5728\u6211\u53f82011\u5e746\u670821\u65e5\u901a\u51fd(ALCO20110016)\u4e2d\uff0c\u6211\u4eec\u66fe\u5c31\u4ee5\u8239\u8236\u7ba1\u7406\u4eba\u4f5c\u4e3a\u5171\u540c\u53d7\u4fdd\u4eba\u7684\u95ee\u9898\u4f5c\u51fa\u4e00\u4e9b\u8bc4\u8bba\uff0c\u5e76\u5f15\u53d1\u5ba2\u6237\u7684\u666e\u904d\u5173\u6ce8\u3002<\/p>\n

\u5728\u4e0a\u8ff0\u901a\u51fd\u4e2d\uff0c\u6211\u4eec\u5217\u4e3e\u4e86\u51e0\u4e2a\u8239\u8236\u7ba1\u7406\u4eba\u5728\u4e0d\u4f5c\u4e3a\u5171\u540c\u53d7\u4fdd\u4eba\u4f46\u5374\u53d7\u4fdd\u5728”misdirected arrow clause”\uff08\u610f\u8bd1”\u8fde\u5e26\u8d23\u4efb\u8ffd\u507f\u6761\u6b3e”\uff09\u4e0b\u800c\u672a\u80fd\u53d7\u534f\u4f1a\u4fdd\u969c\u7684\u60c5\u51b5\u3002\u5728\u672c\u6b21\u901a\u51fd\u4e4b\u4e2d\uff0c\u6211\u4eec\u5c06\u4f1a\u4ece\u8d22\u52a1\u7684\u89d2\u5ea6\u8fdb\u884c\u5206\u6790\u3002<\/p>\n

\u539f\u5219\u4e0a\uff0c”\u5171\u4fdd\u4f1a\u5458”\u7684\u4fdd\u9669\u65b9\u5f0f\u5bf9\u5171\u540c\u53d7\u4fdd\u4eba\u76f8\u4e92\u4e4b\u95f4\u7684\u4f5c\u4e3a\u6216\u4e0d\u4f5c\u4e3a\u53d7\u8fde\u5e26\u4fdd\u969c\uff0c\u800c”\u8fde\u5e26\u8d23\u4efb\u8ffd\u507f\u6761\u6b3e”\u4e0b\u7684\u5171\u540c\u53d7\u4fdd\u4eba\u5219\u53d7\u5236\u4e8e\u8239\u4e1c\u7684\u4f5c\u4e3a\u6216\u4e0d\u4f5c\u4e3a\u3002<\/p>\n

\u5728\u4e0a\u8ff0\u6761\u6b3e\u4e0b\uff0c\u7eb5\u7136\u8239\u4e1c\u5728\u67d0\u4e00\u6848\u4ef6\u4e2d\u6709\u76f8\u5f53\u7684\u80dc\u7b97\uff0c\u5982\u679c\u8239\u4e1c\u7a81\u7136\u7ec8\u6b62\u4e1a\u52a1\uff0c\u534f\u4f1a\u9488\u5bf9\u8be5\u8239\u4e1c\u81ea\u8eab\u6295\u4fdd\u7684\u3001\u6216\u4ee3\u8868\u8239\u4e1c\u5229\u76ca\u6295\u4fdd\u7684\u8239\u8236\u4fdd\u9669\u4e5f\u5c06\u4f1a\u4ece\u8239\u4e1c\u7ec8\u6b62\u4e1a\u52a1\u5f53\u5929\u8d77\u505c\u6b62\u3002\u8fd9\u4e00\u5f71\u54cd\u540c\u65f6\u4f1a\u6269\u5c55\u5230\u5404\u4e2a\u5171\u540c\u53d7\u4fdd\u4eba\u3002\u5c3d\u7ba1\u5bf9\u4e8e\u505c\u4fdd\u65e5\u4e4b\u524d\u6240\u53d1\u751f\u7684\u6848\u4ef6\u534f\u4f1a\u4f1a\u7ee7\u7eed\u627f\u4fdd\uff0c\u4f46\u5177\u4f53\u60c5\u51b5\u5374\u53d7\u534f\u4f1a\u6761\u6b3e\u7684\u9650\u5236\uff0c\u5018\u82e5\u6709\u4fdd\u8d39\u5e94\u4ed8\u800c\u672a\u4ed8\u7684\u60c5\u51b5\uff0c\u534f\u4f1a\u5c06\u4f1a\u540c\u65f6\u4e2d\u6b62\u5904\u7406\u4e0e\u8be5\u8239\u4e1c\u6709\u5173\u7684\u4e00\u5207\u6848\u4ef6\u3002<\/p>\n

\u5728\u8239\u4e1c\u7834\u4ea7\u6216\u6e05\u76d8\u7684\u60c5\u51b5\u4e0b\uff0c\u5982\u679c\u8239\u4e1c\u4e0d\u80fd\u652f\u4ed8\u4fdd\u8d39\u548c\u5176\u4ed6\u5e94\u4ed8\u6b3e\u9879\uff0c\u4ea6\u5c06\u4f1a\u5bfc\u81f4\u534f\u4f1a\u505c\u4fdd\u3002\u7531\u4e8e\u6b20\u4ed8\u4fdd\u8d39\u7b49\u8d39\u7528\uff0c\u534f\u4f1a\u5c06\u4f1a\u5bf9\u6240\u6709\u7684\u6848\u4ef6\u5747\u4e0d\u627f\u62c5\u8d23\u4efb\u3002<\/p>\n

\u9664\u975e\u5728\u5165\u4f1a\u65f6\u53e6\u6709\u89c4\u5b9a\uff0c\u82e5\u539f\u59cb\u4f1a\u5458\u7834\u4ea7\u6216\u7ec8\u6b62\u4e1a\u52a1\uff0c\u5171\u540c\u5165\u4f1a\u4f1a\u5458\u4e0e\u5171\u540c\u53d7\u4fdd\u4eba\u5747\u5bf9\u5e94\u4ed8\u672a\u4ed8\u7684\u4fdd\u8d39\u8d1f\u6709\u6e05\u507f\u8d23\u4efb\u3002\u534f\u4f1a\u8ba4\u4e3a\uff0c\u8239\u8236\u7ba1\u7406\u4eba\u65e2\u4eab\u53d7\u4e86\u4e3b\u8981\u5229\u76ca\u4e5f\u5e94\u627f\u62c5\u4e3b\u8981\u7684\u4ed8\u6b3e\u4e49\u52a1\uff0c\u56e0\u6b64\uff0c”\u5728\u539f\u59cb\u4f1a\u5458\u4e0d\u590d\u5b58\u5728\u7684\u60c5\u51b5\u4e0b\u8be5\u6e05\u507f\u4e49\u52a1\u5f80\u5f80\u662f\u65e0\u6cd5\u534f\u5546\u514d\u9664\u7684”\u3002<\/p>\n

\u73b0\u5b9e\u60c5\u51b5\u4e0b\uff0c\u6211\u4eec\u5efa\u8bae\u8239\u8236\u7ba1\u7406\u4eba\u5728\u7b7e\u8ba2\u7ba1\u7406\u5408\u540c\u4e4b\u524d\u5bc6\u5207\u5173\u6ce8\u8239\u4e1c\u7684\u8d22\u52a1\u62c5\u4fdd\u60c5\u51b5\u3002<\/p>\n

\u6b64\u4e2d\u6587\u8bd1\u672c\u7531Andrew Liu & Co., Ltd\u7f16\u8bd1\uff0c\u5e94\u4ee5\u82f1\u6587\u7248\u672c\u4e3a\u51c6\uff01<\/p>\n

\u8be6\u7ec6\u4fe1\u606f\u8bf7\u53c2\u9605\u9644\u4ef6\u3002<\/p>","protected":false},"excerpt":{"rendered":"

  ENG    CHN We have discussed the issue “Ship Managers as Co-assureds” in our Circular Ref 2011\/0016 dated 21 June 2011 which has drawn wide attention from our clients. In that Circular, we showed several examples where the manager under a misdirected arrow clause would not be able to enjoy benefit of the Club’s cover which […]<\/p>","protected":false},"author":3,"featured_media":9071,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[34],"tags":[125],"class_list":["post-10749","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-circulars","tag-english"],"_links":{"self":[{"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/posts\/10749","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/comments?post=10749"}],"version-history":[{"count":1,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/posts\/10749\/revisions"}],"predecessor-version":[{"id":20518,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/posts\/10749\/revisions\/20518"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/media\/9071"}],"wp:attachment":[{"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/media?parent=10749"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/categories?post=10749"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/tags?post=10749"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}