Use the comparison as a discussion map
First identify the injured person or damaged interest, the insured’s role and the activity involved. Then examine the actual policy terms. A marine contractor may need several complementary policies; one coverage title does not establish that another exposure is insured.
Look closely at the connections
The same occurrence can involve an employee, a vessel, customer property and a pollution release. Review reporting duties, deductibles or retentions, other-insurance provisions and excess attachment. Confirm that each intended insured entity and operation appears in the appropriate documents.
| Coverage / concept | Primary purpose | Review carefully |
|---|---|---|
| CGL / marine general liability | Certain third-party bodily injury and property damage liabilities. | Watercraft, employee, pollution, property-in-care and operational exclusions. |
| USL&H | Statutory benefits for qualifying Longshore employees. | Actual duties, location, statutory exclusions and authorized coverage. |
| Jones Act-related liability | Employer liability associated with qualifying seamen. | Crew status and the specific employer liabilities the policy addresses. |
| Maritime Employers Liability | Certain maritime employer liabilities under the insurance form. | Insured capacities, vessel ownership/operation and employee definitions. |
| Hull & P&I | Vessel physical damage and specified vessel liabilities, respectively. | Vessel schedule, insured interests, navigation, crew and charter provisions. |
| Marine pollution | Specified pollution liabilities and related expenses. | Release triggers, covered operations, vessel activities, cleanup and notice. |
Your operation. Your contracts. Your next project.
Put your marine insurance
in the context of your work.
Start with a focused conversation about your operation.