Whenever there is cargo damage or there is any claim against a vessel, its Master/Owner or operator, one looks towards a P&I Club.  P&I stand for Protection and Indemnity. P&I is insurance in respect of third party liabilities and expenses arising from owning ships or operating ships as principals. Normally the vessels are to be surveyed in a frequent interval to ensure that they meet the requisite standards of safety, construction, seaworthiness, cargo worthiness, crew management and vessel management. P&I Clubs are sort of Associations formed by using funds collected from various ship Owners. These funds are then put up as guarantees or are utilized whenever a member vessel runs into a problem in a port. The P&I insurance provides cover to ship owners and charterers against third-party liabilities encountered in their commercial operations. Responsibility for damage to cargo, for pollution, for the death, injury or illness of passengers or crew, and for damage to docks and other installations are examples of typical exposures. Some of the clubs we have conducted surveys for are  U.K. P&I, Gard, Skuld,  Brittannia,  Japan P&I , Raets Marine, The American Club, The London P&I, British Marine, The Charterers P&I,  Hanseatic, Ingosstrakh Insurance Company, Navigators, The Swedish Club, Ardaf AF Insurance, among others.