§ 1926 Ship Cargo Insurance Standards

• •A ship's fitness can be judged separately for the ship and for the cargo.
• •If the ship can't safely receive cargo, cargo insurance may be considered invalid.
• •Insurers can give coverage for the ship even when they refuse coverage for the cargo.

A vessel has a strong hull and passes all checks, so its hull insurance is fine, but its cargo holds are cracked and can't hold goods safely.

The ship is okay for its own insurance, but because it can't safely carry the cargo, the cargo insurance would be denied.