Marine insurance plays a key role in protecting interests related to maritime activities. Maritime offshore facilities are often exposed to various natural disasters or industrial risks and therefore must contain certificates of compliance with prescribed rules and codes concerning safety. Insurance in which the subject of insurance is an offshore object is described through the case of a major environmental disaster and a massive oil spill in the Gulf of Mexico due to human carelessness and failure to observe basic safety measures. Lloyds of London covers the risks from the accident, and the British Petroleum company is responsible for the damage, which has agreed to pay billions of US dollars in damages and fines issued by the federal government. The oil platform disaster triggered pressure to increase insurance rates, which play an important role in the preservation and development of maritime infrastructure in a way that contributes to the protection and stability of economic resources. It is also crucial for reducing the risk of maritime accidents.