Marine insurance arises as a phenomenon of a great importance for regulation, primarily of maritime transport, i.e. meeting the objectives for which maritime transport is used. Compared to other branches of insurance, marine insurance is, by its nature, very specific. It must be adapted to dynamic and strong international characteristics, activity to which it relates, as well as the specific environment in which the maritime transport occurs. The author points to importance and necessity of maritime insurance in maritime transport. Firstly, she presents the basic features, principles and elements of maritime insurance. Then, she indicates its equality almost everywhere in the world. Special attention is given to insurance conditions, i.e. institute clauses for insurance of ships and goods that are available to owners who have the opportunity to choose some of them and insure goods or ship through the clauses herein.
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