Why ship repair companies need Maritime Employers Liability insurance

Coverage for Jones Act liability and maritime employee injuries.

When employees are working aboard a vessel that is underway under its own power, the Jones Act may apply instead of state Workers’ Compensation laws. Maritime Employers Liability insurance helps protect marine employers from claims involving work-related injuries, illnesses, or occupational diseases. It can respond to medical expenses, lost wages, disability benefits, maintenance and cure obligations, and legal defense costs if a claim is made against the employer.

Why ship repair companies need Maritime Employers Liability insurance

Learn more about Maritime Employers Liability

Maritime Employers Liability insurance fills gaps in traditional Workers’ Compensation and LHWCA coverage for ship repair operations in marine environments. Coverage helps demonstrate financial responsibility and protect your business against Jones Act-related employee injury claims. Learn what the coverage includes and which marine operations tend to need it.

What does Maritime Employers Liability cover?

What does Maritime Employers Liability cover?

Coverage for employee injury claims under the Jones Act.

Coverage may address a range of expenses and liabilities, including:

  • Medical bills and related treatment costs if someone is hurt on the job.
  • Replacing lost wages for employees who can’t work due to a covered disability.
  • Fulfilling “maintenance and cure” responsibilities, which refers to supporting seamen with living expenses and medical care after an injury or illness.
  • Legal defense fees if the company is taken to court over a covered incident.
  • Claims related to occupational illnesses that develop over time.
  • Addressing liability under the Jones Act, especially for issues involving seafarers.
Who needs Maritime Employers Liability?

Who needs Maritime Employers Liability?

Marine operations with Jones Act exposure.

Maritime Employers Liability is typically required for marine employers whose employees may qualify as seamen under the Jones Act and are not exclusively covered by the Longshore and Harbor Workers’ Compensation Act. It is commonly used by ship repair employers:

  • Ship repair companies and shipyards
  • Marine construction contractors
  • Marina and port operators
  • Boat builders and refit specialists
  • Terminal operators
  • Stevedores and cargo handling companies