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Take a Cruise on the Insurance Love Boat

The popularity of ocean cruises continues to skyrocket. Well over 10 million people worldwide take a cruise ship vacation each year. There are currently several hundred cruise ships in service worldwide, with at least nine new ships being added every year since 2001. From the pirate attack on the cruise liner Seabourn Spirit in 2005 to fires to homicides, thefts, and negligent damages and injuries, passengers face exposures to loss. So, just how might their personal lines insurance policies respond to cruise ship exposures?

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