You are in the Ijsselmeer with your chartered boat and have unfortunately run aground. The boat itself is undamaged. However, there are considerable "recovery and towing costs". As a rule, the yacht owner's hull insurance will cover these costs, but you will lose your deposit. If you have insured the deposit, the insurer may counter that the prerequisite for claiming on the deposit insurance is damage to the vessel, which has not occurred here. This gap is closed by your skipper's liability insurance, which covers the salvage and towing costs under the policy.
Your boat gets into difficulties and towing or salvage assistance is unavoidable. However, the hull insurer refuses to cover the costs. You are forced to take care of the salvage yourself. Since you as the skipper are the client for the salvage, you may be confronted with not inconsiderable costs.
Such risks are automatically insured up to EUR 25,000.00 under the skipper's liability insurance policy.