Both to Blame Clause in Marine Insurance Policies

Both to blame clause is a policy of marine insurance that states that both the owners of the ship shall share the proportion of loss in case of collision of their ship due to the negligence of both the shipper and owners. The both-to-blame clause is defined under clause 3 of the Indian Cargo Clauses (ICC).

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Parties to the Losses

The following parties shall be responsible for sharing losses caused to the vessel due to collision.

  1. Cargo Owner

    If the ship is collided due to the negligence of both parties on the cargo, the cargo owners of both vessels are subject to sharing the losses to the extent of the degree of negligence.

  2. The Company Responsible for the Shipment

    The company shall bear the equal loss caused to the ship due to the act of both parties.

Both to Blame Clause

Due to the advancement of globalization, the shipping industry is developing at a significant pace. Therefore, the ships are prone to the risk of collision.

Under such circumstances, the companies are advised to purchase marine insurance. The both-to-blame clause in marine insurance provides coverage to the ship owners against the loss suffered by them.

It protects the following events under the marine insurance policy.

  1. Collision

    The marine policy protects the interest of ship owners in case of a collision with another ship or object. However, in the case of negligence of both parties, the losses are shared according to the degree of negligence of both parties.

  2. Sinking

    A ship may sink due to collisions with another vessel. As a result, the goods may be destroyed, and the ship owner may suffer from a huge loss. As a result, the marine policy indemnifies the insured due to the sinking.

Learn more about Marine Insurance

Party to Collision

The following can be the party to the damages caused to the marine due to collision with a vessel.

  1. Master

    The master of the vessel is responsible for the cargo, the safety of the vessel and the passenger. In addition, he is expected to plan and execute the route of the vessel.

  2. Mariner

    Mariner is responsible for the smooth running of the vessel in the sea. He ensures that the passengers, cargo and vessel reach their destination safely.

  3. Captain

    The captain of the marine has explicit command over the navigation of the ship. He takes control of the cargo and ensures the complement of the ship with the local and international laws.

    The aforementioned person is generally held responsible for the collision of the ship.

Example of Both to Blame Clause

Established in 2005, ABC Construction Company situated in Chennai won a contract to construct a hospital in the USA. However, the company was required to send some construction goods or materials along with machinery and equipment to the USA. The company in its board meeting decided to send its vessel in order to transport the necessary items to the USA.

After determining the risk associated with water transportation, the company purchased a marine insurance policy in order to avert the losses.

On the way to accomplishing its journey, the ship of ABC Construction Company collided with the vessel of XYZ Ltd.

Both companies filed the claim under the marine insurance policy to their respective insurer. The cargo of both ships had the 'both to blame clause’.

The total loss suffered by both vessels was evaluated as INR 20,00,000. Hence, the loss needed to be shared. The surveyor of the ship determined the degree of negligence from both ships and found ABC Construction Company more negligible, which resulted in a loss ratio of 60:40. Hence, the loss was divided as INR 12,00,000 and INR 8,00,000 respectively.


Both to blame clause in a marine insurance policy is applied when both parties are found negligible for the collision of the ship. As a result, both parties share losses on the basis of the degree of risk evaluated by the surveyor.

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Policybazaar for Business - Marine Insurance - Customer Reviews
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3.8 April 20, 2023
Great Experience
I recently purchased Marine insurance from Policybazaar for my shipping business and I must say I am thoroughly impressed with their service and coverage. From start to finish, the experience has been smooth and hassle-free.Thankyou.
4.3 April 03, 2023
Provides Comprehensive Protection
When it comes to coverage, Marine insurance that i bought from PolicyBazaar has exceeded my expectations. It provides comprehensive protection for my cargo and vessels during transit, ensuring I can focus on my business operations with peace of mind. Thankyou.
4.3 March 17, 2023
Excellent Services
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4.3 February 28, 2023
User Friendly Interface
The website's user-friendly interface made it easy to compare different plans and find the perfect fit for my business needs.Thanks
4.3 February 11, 2023
Prompt Services
I appreciate the transparency and honesty with which Policybazaar handled my claims. They were prompt in processing my claim and their claim settlement process was hassle-free.Thanks PolicyBazaar.
3.8 February 10, 2023
Exceeds Expectations
I recently had the pleasure of purchsing marine insurance from Policy bazaar website and I must say it has been an outstnding experience from start to finish. I am thrilled to share my positive customer review, as this truly exceeded my expectations. Thanks PB.
3.8 January 31, 2023
Easy Navigation
The ease of navigating the Policy bazaar website and finding the right marine insurance policy was impressive. The website's user-friendly interface and intuitive design made it incredibly simple to compare various options, understand the coverage details and make an informed decision. I appreciated the transparency provided throughout the process. Thanks.
3.8 January 21, 2023
Excellent Support
The customer service provided by Policy bazaar was decent. Their team was responsive, knowledgeable and went above and beyond to assist me at every step. Their professionalism and commitment to customer satisfaction were truly commendable.Thankyou.
4.3 January 11, 2023
Sanjeev Rathor
Efficient Process
When it came to claims processing, Policy bazaar demonstrated remarkable eficiency and effectivenes. I had an unfortunate incident during the coverage period and filing a claim was a breeze. The entire process was streamlined and their team guided me throuugh every necssary step, making it hassle-free. The promptness with which my claim was setled reflected their commitment to their customers' well-being and peace of mind. Thankyou.
3.8 January 01, 2023
Comprehensive Coverage
I must mention the comprehensive coverage provided by the marine insurance policy I purchasd through Policy bazaar. It offered me the necesary protection and peace of mind. Thankyou PolicyBazaar.