Protection and Indemnity

The shipping industry depends on skilled crews and high-value vessels, transporting valuable goods around the world. When people, ships, or cargo are harmed or lost, the results can be catastrophic. Protection and Indemnity Insurance (P&I) protects ship owners, operators, and charterers from the financial fallout. 

Our P&I covers liabilities including (but not limited to):  

  • Loss of life,  
  • Injury and illness of crew, passengers and other persons  
  • Cargo loss, shortage or damage 
  • Collision 
  • Damage to docks, buoys and other fixed and floating objects 
  • Wreck removal 
  • Pollution 

Policy highlights 

1. Choose between a fixed and mutual premium 

Safe comprehensive cover, different limits of liability to suit vessel size and risk. 

2. All-risk cover up to $1 billion USD 

Cover for total loss, damage repairs, salvage costs, general average contributions, labour and certain other liabilities.  

3. Assisted claims management   

Taking the pain out of claims, always on your side.  

4. Risk management planning and support  

Our proprietary surveys and benchmarking tools help you cut risk – and present you in the most sympathetic way to insurers.   

We believe that our role is more than just protecting our clients from risk. As your risk consultants, we exist to empower you to grow your business by removing risk obstacles - the emphasis is always on the quality of cover, ready to stand strong when you need it most. 


Members of the P&I club pay a contributory premium into a mutual fund. These premiums, plus investment, cover the cost when any member makes a claim. Mutual premiums offer broader cover and have a higher limit of indemnity than fixed premiums. They are intended for costlier, higher-risk vessels like large commercial ships, tankers, and cruise ships. All members of a mutual fund share the risk equally. If the shared fund is not enough to cover a particularly large risk, members will be asked to make supplementary payments. That means that the initial premium paid might not be the total cost of your insurance.


Fixed premium cover is designed for small ship owners and operators, who don’t need the same high limits offered by a mutual fund. The cover is less extensive, and the available limits of liability are typically lower too. However, unlike with a mutual premium, the cost of the insurance is non-variable throughout the duration of the policy.

P&I is designed to complement your Marine Hull policy

Meet the team

Photo of Firman Amersyah


Firman Amersyah

Senior Vice President
Photo of Firman Amersyah

Firman Amersyah

Senior Vice President

Firman joined Howden in December 2013 as Assistant Vice President in the Strategic Business Development. He is responsible to develop the business strategically across the company. Part of his responsibility is to develop initiatives towards clients.

Prior to joining Howden, Firman worked at Aon as Manager at Corporate Risks Services Division, where handle various major clients as well as Lippo group business. Part of his focus is also to develop affinity initiatives with corporate risks services. Previously, he also worked for JLT to handle corporate and industrial clients for 4 years and prior to that he was working for one of the major bank in Bandung, Panin Bank as internal auditor. He has more than 7 years experience.

Firman graduated from Bina Nusantara University, majoring in computerized accounting. He has just completed one of the professional qualifications from ANZIIF, CIP, Ahli Pialang Asuransi dan Reasuransi Indonesia (APAI) and Certified Indonesian Insurance & Reinsurance Broker (CIIB).

Photo of Subur Christianto


Subur Christianto

Senior Vice President
Photo of Subur Christianto

Subur Christianto

Senior Vice President

Subur joined Howden September 2012. Subur leads Financial Risks, Small Medium Enterprise and Affinity Risks division, as Assistant Vice President. Part of his responsibilty in SME, Affinity is to handle large chain-business risks like chain-shops, warehouses, restaurants as well as motor fleet risks. Subur is one of the key initiator to develop online based insurance facility which beneficial to our clients.

He is also responsible to develop specialty financial risks to adopt the group expertise and deploy to local business focus, such as Directors & Officers, Professional Indemnity, Trade Credit risks and the like.

Prior to joining Howden, Subur was working for JLT to focus on corporate and energy risk where handle major and complex risks clients. Previously also he worked for a Japanese insurance company, MSIG Insurance, focusing on small and medium enterprise. He has more than 7 years experience.

Area of expertise includes property insurance, motor vehicles insurance and various insurances for small and medium enterprise.

Subur graduated from Universitas Brawijaya with Finance major. He also holds from the same university a master degree in Corporate Finance. He holds professional qualification Ahli Pialang Asuransi dan Reasuransi Indonesia (APAI) and Certified Indonesian Insurance & Reinsurance Broker (CIIB).

Photo of Gilang Sunaryuniarto


Gilang Sunaryuniarto

Assistant Vice President
Photo of Gilang Sunaryuniarto

Gilang Sunaryuniarto

Assistant Vice President

Gilang joined Howden in April 2015 as Account Executive in Financial SME & Affinity Risks Division. Having been promoted in January 2019 as Business Manager, he was given a new role to lead Financial Specialty Risks & JBI . He is responsible for client servicing in Financial Specialty Risks area and making sure to meet our client expectation.

Prior to joining Howden, Gilang worked with PT. Asuransi Jasa Indonesia (Persero) for 5 years as marketing.

Gilang completed his bachelor's degree of Sociology Program at Faculty of Social & Political Sciences in University of Indonesia. He also holds professional qualification Ahli Pialang Asuransi dan Reassurance Indonesia (APAI) and Certified Indonesian Insurance & Reinsurance Broker (CIIB). Gilang also qualified at Level 5 for professional Insurance Broker certification based on Indonesian regulation.

Approachable smiling woman working at PC

Find out how our experts can help lighten the load