THE MARINE insurance IS THE INITIAL insurance TYPE WHICH HAS BEEN APPLIED SINCE THE PRIMARY CENTURY OF HUMAN LIFE. NONE OF THE insurance TYPES HAVE THE HISTORY AS OLD AS MARINE insurance. THE BIRTH OF MARINE insurance WAS THE RESULT OF HUMAN NEED TO COMPENSATE THE DAMAGES WHICH WERE THE RESULT OF STORM OR OTHER MARINE HAZARDS. SHIPPING IS A DIFFICULT AND COMPLICATED BUSINESS IN WHICH THE SHIP, CREW, PASSENGERS AND THE CARGO ARE SUBJECT TO VARIOUS DANGERS AND VARIOUS RESPONSIBILITIES ARE MENTIONED IN THIS REGARD. IN OTHER WORDS, THERE ARE NUMEROUS SITUATIONS IN WHERE THE SHIP OWNER, THE SHIP TENANT, TRANSPORT OPERATOR AND CARGO OWNER AND ALL THE PEOPLE WHO ARE ENGAGED IN MARINE TRANSPORT ARE RESPONSIBLE FOR EACH OTHER OR THE THIRD PERSON. THE ABOVE MENTIONED DAMAGES ARE COVERED BY THE MARINE insurance. THE TRANSPORT OPERATOR LIABILITY insurance SEEMS NECESSARY SINCE THE RESPONSIBILITY FOR THE DAMAGES ARE SO HEAVY THAT IT WOULD BE DIFFICULT FOR OPERATORS TO COMPENSATE FOR IT AND THEY CAN’T BEAR THE CONSEQUENCES OF THEIR RESPONSIBILITIES. THUS, THE TRANSPORT OPERATOR LIABILITY insurance SHOULD BE PROVIDED TOGETHER WITH THE CARGO insurance FOR THE insurance CLIENTS. THE PRESENT ARTICLE INTRODUCES VARIOUS MARINE insurance TYPES AND DISCUSSES THE NECESSITY OF MARINE insuranceS ESPECIALLY THE TRANSPORT OPERATOR LIABILITY insurance.