Insurance Coverages
Understand the purpose of each coverage, the interests it addresses and the wording that deserves a closer look.
Insurance coverages
Marine General Liability Insurance
A waterfront contractor's liability review should start with the operations actually performed: work from barges, damage to adjacent structures, completed projects and the responsibilities accepted in marine contracts.
USL&H Insurance for Marine Contractors
USL&H is the common insurance shorthand for coverage addressing an employer's obligations under the Longshore and Harbor Workers' Compensation Act. It is distinct from state workers' compensation and seaman-related liability.
Jones Act & Maritime Employers Liability
The Jones Act is a legal remedy for qualifying seamen. Maritime Employers Liability is insurance terminology. They are related subjects, but neither is interchangeable with Longshore coverage.
Marine Contractors Pollution Liability
Dredged sediment, fuel transfers, underwater work and disposal arrangements can create environmental liabilities that require a separate review from ordinary bodily injury and property damage insurance.
Hull & Protection and Indemnity Insurance
A dredge, workboat or crane barge creates two different insurance questions: physical damage to the vessel and legal liability arising from its operation. Hull and P&I address different parts of that discussion.
Marine Equipment & Contractors Equipment Insurance
The replacement value of a crane or excavator is only part of a marine equipment review. Where it operates, how it moves and who owns it can change the insurance questions.
Workers' Compensation & Maritime Employee Exposures
A marine contractor can have land-based employees, Longshore exposures and potential seaman liabilities within one organization. The review must follow the work rather than force every employee into one category.
Commercial Auto & Marine Equipment Transport
Marine operations still depend on public-road transportation. Work trucks, trailers, heavy equipment moves and employee driving need a coordinated review at the point where road, terminal and vessel operations meet.
Marine Excess, Umbrella & Bumbershoot Insurance
A higher limit is useful only when it sits above the intended exposures. Marine excess reviews should test the relationship between the underlying policies and every layer above them.
Marine Construction Builders Risk & Project Coverage
A permanent pier under construction, an existing seawall and the contractor's floating equipment are different property interests. Project insurance should identify each one before work starts.
Marine Contractor Professional Liability & Design Exposures
Marine contractors can assume professional responsibilities through design-build work, engineering coordination, surveys or delegated design. Those obligations deserve attention even when the company primarily performs construction.
Ship Repairers Legal Liability Insurance
A repair yard may hold a customer's vessel, perform hot work and move the vessel during testing. The liability for that entrusted property differs from insurance on the yard's own assets.