What a human-factor claim actually costs

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The cost

The cost

Of marine liability claim costs — human factors

Between 75 and 96 percent of maritime incidents trace to human error. The financial picture sits one layer down — and is more lopsided than the headline suggests.

The median marine claim settles at €2,712. The average is €88,408 — a 32× gap driven by a small number of catastrophic losses. Three of every four claim dollars trace back to human factors.

The math for prevention is straightforward.