Define the operation
Start with project types, annual revenue by operation, geographic areas and upcoming work. Identify work performed directly and work subcontracted. Explain changes since the last renewal: a new dredge, a larger crane, diving work, contaminated sediment, a new port contract or design responsibility. These details can matter more than a broad business description.
Connect people, vessels and equipment
Prepare an overview of workforce duties, payroll allocation and time spent ashore or aboard vessels. List owned, operated and chartered vessels; describe charter arrangements and crew responsibilities. Include barges, cranes, dredges, leased equipment, values, storage, transit and recovery concerns. Maritime classification requires analysis of actual duties and circumstances, not an automatic label for everyone near water.
Bring obligations and policy wording
Useful records include representative contracts, indemnity and insurance exhibits, current policies with endorsements, relevant exclusions, loss history and project values. Discuss pollution and environmental exposures, professional services, subcontractor controls and contractual limit requirements. Review the excess program against each intended underlying line instead of assuming all policies connect.
Leave with a defined next step
The review can help identify missing information, questions for underwriters, policy wording requiring closer examination and matters for maritime counsel or technical advisers. It is not an underwriting application, a legal opinion or a guarantee that coverage is available. Use the existing scheduling link or call Montridge to arrange a discussion. Do not send sensitive information through public website features.
Watch the related Montridge video
Marine Contractor Insurance: Essential Coverages, Requirements & Major Risks
Watch on YouTube ↗Questions worth asking
Should we wait until renewal?
A major contract, operational change or vessel acquisition can justify an earlier discussion. Allow time for underwriting and any needed policy changes.
Will the review certify our contract or program?
No. It is a brokerage discussion to identify issues and next steps. Legal enforceability and technical compliance require the appropriate advisers.