Types of Marine Insurance


Marine General Liability Insurance:

It is important to note, Commercial General Liability policies exclude marine work. Marine Contractors face exposure if they do not have the correct coverage's in place. Marine General Liability protects against claims of liability for bodily injury, property damage, and personal/advertising injury specifically for those who work on or near the water. These classes include ship repairers, marina operators, charterers, stevedores, and terminal operators.

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Protection & Indemnity (AKA "P&I")

The marine equivalent of Automobile Liability.  It covers the liability of a boat owner for bodily injury and property damage.  It may include or exclude liability to captain or crew (see Jones Act).

Jones Act

The Merchant Marine Act of 1920 allows seamen a remedy to sue their employer for negligence in the event of injury or illness incurred in service of the vessel.

Maritime Employers Liability

A method of insuring an employer’s liability under Admiralty law (Jones Act, Maintenance & Cure, etc.) to his employees.  It provides similar coverage for employers as contained in a P&I policy.  It does not cover Longshore or any third-party liabilities.

Hull Insurance:

Hull insurance protects against loss caused by damage or destruction of waterborne craft or aircraft. It includes all articles and pieces of furniture within the vessel. Hull and machinery insurance can protect the shipowner’s investment in the ship. If the ship is damaged, the owner of the ship gets indemnity from the insurance company. This type of marine insurance is usually taken out by the owner to avoid any loss due to mishaps occurring.

Collision Liability

Liability for physical damage to another vessel you might hit.  Typically included in the hull policy up to the limit of that hull policy.

Excess Collision

Liability for physical damage to another vessel you might hit.  Typically you replace the collision liability with this and add it to the P&I policy so it is included up to the limit of the P&I policy.

Towers Liability

Liability to a vessel and its cargo that you are towing or pushing.


Longshoremen and Harbor Workers Compensation Act (actually should be LHWCA0). It is a federal workers compensation program designed predominately for “dockside” workers.

Traveling Workmen

Ship Repairers Liability coverage part is extended to apply whenever any persons employed by the insured or on the insured’s behalf are on board the watercraft or any port for the purpose of effecting repairs or alterations, notwithstanding that such persons may be signed on as members of the watercraft’s crew.

Bumbershoot (Umbrella)

A combined excess policy.  May or may not be excess over Employers Liability, Automobile or other non-marine policies.

Vessel Pollution

A combined policy to insure for accidental vessel related pollution cleanup, OPA & Non-OPA compliance and include optional fines & penalties.