Marine-related risks require specialist insurance advice Accidents happen. Protect your business and your employees. Marine-related risks require specialist insurance advice If your business operates in a marine environment, the insurance requirements can be overwhelming. We’re here to help! MHG’s insurance specialists have provided insurance advice and guidance to businesses in the marine industry for over 30 years. We understand the risks associated with a marine work environment. We will be sure that your business has the right amount of marine employer’s liability coverage while also fulfilling your insurance obligations.
What does marine employer’s liability cover? Essential coverage for work-related injuries, illnesses, and legal defense. What does marine employer’s liability cover? Marine employer's liability, or MEL, is an insurance policy designed for US-based employers with employees covered under the Jones Act rather than the Longshore and Harbor Workers’ Compensation Act. When a vessel has left the dock and is navigating under its own power the Jones Act applies and State Act Workers’ Compensation no longer applies. Marine employer’s liability covers tortious liability employers whose employees experience work-related injuries, illnesses, or occupational diseases in a marine setting where the Jones Act applies. It covers medical expenses, disability benefits, and lost wages for injured employees. Marine employer’s liability also includes coverage for legal costs if the employer is sued or legal action is taken against the employer due to the employee’s injuries. Marine employer’s liability is a critical form of insurance protection as it satisfies the maritime employer’s obligations under the Jones Act rather than the Longshore and harbour worker’s compensation act to compensate injured seamen for transportation, wages, and maintenance & cure.
Who needs Marine employer’s liability? Crucial coverage which satisfies obligations under The Jones Act. Who needs Marine employer’s liability? Marine employer’s liability is typically required for employees who are not covered under the Longshore and Harbor Worker’s Compensation Act in the US. Coverage can be tailored for all marine trades including: Ship repairers Ship builders Stevedores Wharfingers Terminal operators Marina operators