Certain risks have in the past not always been readily insurable in the marine insurance market and ship owners have formed mutual associations (clubs) to cover them. Protection risks include quarantine expenses, liabilities to crews, and collision and impact damage, wreck removal expenses and liability under towage contracts, liability for damage to other vessels apart from collision, etc. Indemnity risks include ship owners’ liability for cargo lost or damaged, fines for inadvertent immigration or customs offences etc.