Why Waterfront Employers Need Comprehensive Marine Liability Solutions

From vessel accidents to employee injuries, marine businesses face unique risks due to the nature of their operations. These risks can lead to costly claims. In this blog, we’ll explore how Longshore Workers Compensation and USL&H coverage protect maritime employers from financial risk. Having comprehensive insurance coverage—like Jones Act Insurance, Marine Employer Liability, and Longshore Workers Compensation—is crucial for protecting both employees and the business itself.

What is Marine Employer Liability?

Marine Employer Liability (MEL) provides coverage for employees injured while working on or near navigable waters. For maritime businesses, this insurance is essential to safeguard against claims filed under the Jones Act, which allows seamen to seek compensation for injuries caused by negligence.

Jones Act Insurance: A Must for Marine Employers

The Jones Act applies to seamen who spend a significant portion of their time working on vessels. If an injury occurs due to negligence, employers can be held liable. Jones Act Insurance covers these claims, protecting the business from significant financial loss. Failing to secure this coverage leaves marine businesses vulnerable to costly lawsuits.

How USL&H Coverage Complements MEL

In addition to Jones Act Insurance, marine employers should have USL&H coverage, which protects workers who aren’t considered seamen but work on or near the water. Combining Marine Employer Liability and USL&H coverage ensures full protection for all employees, from dock workers to vessel crews.

Filing Commercial Marine Insurance Claims

Filing commercial marine insurance claims can be complicated, but understanding the process is crucial for reducing financial risks. Marine businesses should ensure they have the right coverage in place to avoid potential gaps that could leave them exposed in high-risk situations.