What does the running down clause cover?

The running down clause specifically addresses incidents where the insured vessel runs down, or collides with, another vessel. This clause is essential in marine insurance policies, as it provides coverage for liabilities resulting from such collisions, protecting the insured against claims for damages caused to other vessels. In maritime terms, "running down" refers to a scenario where a vessel strikes another, potentially leading to significant financial loss due to damage to the other vessel or injuries to its crew.

In contrast, the other options pertain to different areas of coverage. Damage to the dock and accidents involving crew negligence would typically require other specific provisions in an insurance policy, while losses due to engine failure may be addressed under a separate machinery coverage clause. Therefore, the running down clause is uniquely focused on collision incidents, making it a crucial component for boat and ship owners in protecting against liabilities arising from accidents at sea.