Protection and indemnity insurance ( hereinafter referred to as P I insurance) contract is the contract which the ship owner, operator, or charterer insures potential liability risks arising from his ships to a P I Club. 保赔保险合同是船东、船舶经营人、租船人等就其所有或占有、经营、租用的船舶的潜在责任风险向保赔协会投保所成立的合同。