What kind of insurance covers are there for Time and Voyage Charterers ?

The normal insurance covers for Time and Voyage Charterers are :

• legal costs and expenses arising out of disputes related to hire, freight, dead freight and passage money, general and particular average, demurrage or despatch, detention, breach of charter party, bill of lading etc., the proper loading etc. of cargo, quality of bunkers supplied;
• Loss of or damage to vessel;
• Loss of or damage to cargo;
• Oil pollution other than that arising from a tanker in US territorial waters;