This Policy covers the damage sustained by the vessel during the period of charter for which the characters are held legally liable. This Policy also covers demurrage if the vessel is delayed to carry out repairs for which the Charterers are held legally liable. Cover is normally provides for damage to the vessel death and personal injury, damage to property of third parties damage to cargo, collision wreck removal, quarantine costs, pollution, General Average, Costs of formal investigations, Sue and labor costs and fines. The main risk is liability to cargo due to bad stowage, handling damages, shortages, non-delivery or liability to damages to the vessel.