At Vectoris Legal we provide specialist legal advice on transport, logistics and marine insurance to companies in the sector: from pre-coverage analysis and policy audits through to judicial claims against insurers when they wrongfully deny or reduce an indemnity. We always act on the insured's side, with complete independence from any insurance company.
Claims management, P&I policy review, hull and marine cargo. Representation before insurers and P&I Clubs.
We conduct comprehensive insurance policy audits for transport, logistics, international trade and nautical sector companies. We analyse all policies in force, identify coverage gaps, relevant exclusions and underinsurance, and produce a situation report with concrete recommendations to correct the deficiencies identified.
Coverage Analysis and Premium Optimisation
We offer an insurance advisory and premium optimisation service acting as an independent external broker: comparative analysis of existing coverage, identification of better market alternatives, negotiation with insurance companies and management of broker change where appropriate.
Typical Policies by Sector
Logistics operators and road transport companies
CMR carrier liability, annual floating cargo policy, fleet insurance, warehouse keeper and depositary liability, fire/theft/water damage to premises, trade credit.
Freight forwarders
Freight Forwarder Liability (FFL), intermodal cargo insurance, errors and omissions liability, customs agent liability, contingency cargo cover, D&O.
Shipping companies and shipowners
Hull & Machinery, P&I Club, Freight Demurrage and Defence (FD&D), pollution liability, war and strikes, Loss of Hire, collision liability.
Nautical sector companies
Recreational craft hull, nautical liability, P&I for yachts and superyachts, charter insurance, marina and port liability, shipyard and slipway liability, crew accident insurance.
Claims Against Insurers
When an insurer wrongfully denies cover, significantly reduces the indemnity or delays payment, we manage extrajudicial claims and judicial proceedings. Article 20 of the Spanish Insurance Contract Act establishes a specific late payment interest regime penalising insurers that do not pay on time.
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