Marine decarbonisation is reshaping shipping and insurance. The IMO now requires ships over 5,000 gross tons to report efficiency scores, with low-rated vessels facing corrective plans and inspection risks. Compliance challenges raise questions for insurers: is a non-compliant vessel unseaworthy, and how should risks be priced? Insurers must balance ESG expectations with competitiveness—too strict and clients may move elsewhere, too lax and reputational risk rises. Emerging strategies include inserting warranties, adjusting premiums, or partnering with shipowners on greener practices. Atrium stresses insurers must adapt quickly to regulation, technology, and market pressures to remain relevant.

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