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20.2.4 the expenses of the removal of the wreck of the Vessel from any place owned, leased or occupied by the Assured
20.2.5 legal costs incurred by the Assured, or which the Assured may be compelled to pay, avoiding, minimising or contesting liability with the prior written consent of the Underwriters.
EXCLUSIONS
20.3 Notwithstanding the provisions of Clauses 20.1and 20.2 this Clause 20 does not cover any liability cost or expense arising in respect of:
20.3.1 any direct or indirect payment by the Assured under workmen’s compensation or employers’ liability acts and any other statutory or common law, general maritime law or other liability whatsoever in respect of accidents to or illness of workmen or any other persons employed in any capacity whatsoever by the Assured or others in on or about or in connection with the Vessel or her cargo, materials or repairs
20.3.2 liability assumed by the Assured by the Assured under agreement expressed or implied in respect of death or illness of or injury to any person employed under a contract of service or apprenticeship by the other party to such agreement
20.3.3 punitive or exemplary damages, however described
20.3.4 passengers
20.3.5 catch, fishing gear or other things or interests whatsoever on board the insured Vessel or the engagement of the insured Vessel but this Clause 20.3.5 shall not exclude any claim in respect of the extra cost of removing catch or property from the wreck of the Vessel
20.3.6 property, owned by builders or repairers or for which they are responsible, which is on board the Vessel
20.3.7 liability arising under a contract or indemnity in respect of containers, equipment, fuel or other property on board the Vessel and which is owned or leased by the Assured
20.3.8 cash, negotiable instruments, precious metals or stones, valuables or objects of a rare or precious nature, belonging to persons on board the Vessel, or non-essential personal effects of any Master, Officer or crew member
20.3.9 fuel, insurance, wages, stores, provisions and port charges arising from delay to the Vessel while awaiting a substitute for any Master, Officer or crew member
20.3.10 fines or penalties arising from overloading or illegal fishing
20.3.11 pollution or contamination of any real or personal property or thing whatsoever
20.3.12 general average, sue and labour and salvage charges, salvage, and/or collision liability to any extent that they are not recoverable under Clause 7, 11 and 13 by reason of the agreed valued and/or the amount insured in respect of the Vessel being inadequate.
20.4 The indemnity provided by this Clause 20 shall be in addition to the indemnity provided by the other terms and conditions of this insurance.
20.5 Where the Assured or the Underwriters may or could have limited their liability the indemnity under this Clause 20 in respect of such liability shall not exceed Underwriters proportionate part of the amount of such limitation.
20.6 In no case shall the Underwriters’ liability under this Clause 9 in respect of each separate accident or occurrence or series of accidents arising out of the same event, exceed their proportionate part of the insured value of the Vessel.
20.7 PROVIDED ALWAYS THAT
20.7.1 Prompt notice must be given to the Underwriters of every casualty event or claim upon the Assured which may give rise to a claim under this Clause 20 and of every event or matter which may cause the Assured to incur liability costs or expense for which he may be insured under this Clause 20.
20.7.2 the Assured shall not admit liability for or settle any claim for which he may be insured under this Clause 20 without the prior written consent of the Underwriters.
20 保障与赔偿
20.1 保险人同意赔偿被保险人由于其作为船东，对任何索赔、要求、损害及/或费用而向任何其他人支付的任何金额或款项，负有法律责任，如果此种责任是因任何下述事情或问题引起，或由于发生于本保险期间的某一意外事故或事件所致：
20.1.1除了船舶以外的任何固定或可移动物体或财产或其他物品或无论何种利益的灭失或损害，此种灭失或损害并非由于第18条承保的任何其他原因所致。
20.1.2清除、销毁任何固定或可移动物体或财产或其他物品（包括船舶残骸）的任何企图或实际举措，或由于采取这些措施或未能采取这些措施的过失。
20.1.3 被保险人为进出港口或在通常运输过程期间在港内移动之目的，根据习惯拖带合同应承担的责任。
20.1.4 人员伤亡、伤害、疾病或因救助人命而支付的费用。
20.1.5 (a)船长、高级船员或船员的医疗或丧葬费用
(b) 船长、高级船员或船员的遣送费（工资、工资性质的津贴、或自协议终止、售船或被保险人的任何其他行为获得的任何费用除外）。
20.2 保险人同意赔偿被保险人在本保险期间因下列意外事故或事件引起的任何损失：
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