1. Hull clause providing that an insured, who fails to maintain the ship’s agreed classification or follow the classification society’s recommendations in regard to seaworthiness or maintenance recommendations, faces automatic termination of hull and machinery cover. Innocent mortgagees may be protected for a limited time. 2. Floating policy or open cover clause specifying the minimum class of vessel required to carry the insured cargo. If the vessel is below the class specified, an additional premium is charged.