{"id":9943,"date":"2026-07-07T23:02:48","date_gmt":"2026-07-07T16:02:48","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=9943"},"modified":"2026-07-07T23:02:48","modified_gmt":"2026-07-07T16:02:48","slug":"marine-hull-insurance-di-era-baru-ketika-risiko-kapal-tidak-lagi-hanya-berasal-dari-laut","status":"publish","type":"post","link":"http:\/\/ligaasuransi.com\/en\/marine-hull-insurance-di-era-baru-ketika-risiko-kapal-tidak-lagi-hanya-berasal-dari-laut\/","title":{"rendered":"Marine Hull Insurance in a New Era: When Ship Risks No Longer Come Only from the Sea"},"content":{"rendered":"

For decades, the shipping industry understood ship risks through relatively easily identifiable threats.<\/span><\/p>\n

Storms, grounding, collisions, fires, explosions and engine failures are some of the major risks that concern ship owners and operators.<\/span><\/p>\n

To face these risks, <\/span>Marine Hull Insurance<\/b><\/a> became one of the main protection instruments in the maritime industry.<\/span><\/p>\n

However, developments in the global shipping industry show that the character of ship risks has undergone major changes.<\/span><\/p>\n

Today, modern ships face not only physical risks from the marine environment, but also risks stemming from technology, digital systems, regulatory changes, environmental demands, and geopolitical uncertainty.<\/span><\/p>\n

These changes pose a new challenge for the insurance industry to continuously adapt products, underwriting approaches, and risk management strategies.<\/span><\/p>\n

Modern Ships Bring Modern Risks<\/span><\/h3>\n

Digital transformation has changed the way ships operate.<\/span><\/p>\n

Electronic navigation systems, GPS, Electronic Chart Display and Information System (ECDIS), satellite communications, and engine monitoring systems are now an important part of modern ship operations.<\/span><\/p>\n

This technology provides many benefits.<\/span><\/p>\n

Efficiency increases, shipping safety improves, and decision-making processes can be carried out more quickly.<\/span><\/p>\n

However, reliance on technology also creates new types of risks.<\/span><\/p>\n

A ship may be in good physical condition, but experience operational problems due to electronic system failure or technological disruption.<\/span><\/p>\n

These changes show that the concept of risk in the maritime industry has evolved.<\/span><\/p>\n

Physical damage is no longer the only indicator of potential loss.<\/span><\/p>\n

Cyber \u200b\u200bThreats Are Becoming a Concern for the Shipping Industry<\/span><\/h3>\n

One of the new risks that is gaining increasing attention is cyber threats.<\/span><\/p>\n

The shipping industry is increasingly connected with digital systems, both for navigation, communication, administration, and operations management.<\/span><\/p>\n

However, this connectivity also opens up opportunities for cyber attacks.<\/span><\/p>\n

Disruptions to the ship’s navigation system can affect the journey.<\/span><\/p>\n

Attacks on communications systems could hamper coordination with ports.<\/span><\/p>\n

While ransomware can cause administrative and operational disruptions.<\/span><\/p>\n

Interestingly, the incident did not necessarily cause physical damage to the ship.<\/span><\/p>\n

However, the impact can still result in large economic losses, such as:<\/span><\/p>\n