The Maritime Employers Liability Policy

Maritime Employers Liability is a process of insuring an employer‘s legal responsibility or liability under Admiralty law to his or her staff. It presents similar treatment for employers as contained in a P&I rule. Maritime Employers Liability does not cover any arbitrator liabilities.

Maritime Employers Liability covers allegations against the employer from his employees, specifically the following:

  • Wounds
  • Damages
  • Injuries
  • Demises under the Death on High Seas Act, Jones Act among others.

In layman’s term, your workers will undertake legal proceedings against you as a seaman if ever this is the case. Why use seaman as opposed to employees? One basis why an employee would look to utilize the term seaman is that perhaps he can anticipate getting more benefits from Workers Compensation.

How does the Maritime Employer’s Liability Policy work?

In a nutshell, when an employee finds himself in another vessel during the course of his duties, this becomes the applicable policy. Why? Once a vessel has left the pier and is under its own rule and command, the state Workers’ Compensation will not cover you and the coverage will not be enough. The Jones act will only cover employees that are aboard vessels operated or owned by your company, while the Maritime Employers Liability covers instances that may happen while your employee is working on a liner that is operated and owned by other people.

If your company or companies are connected with providing tools or equipment, or repairing other company’s vessels’, then you should consider knowing and getting in touch with the Maritime Employers Liability Insurance. Vessel proprietors who do not cover their crew under a certain policy with a Jones Act endorsement are the typical insurers of the Maritime Employers Liability policy. The Jones Act coverage is only limited to a specified crew. This objective is to limit coverage to employees performing established functions to further the vessels task and to rule out coverage for contracting the employees working from the watercraft. Owners or proprietors should consider getting the Maritime employers Liability coverage in this case.

Here are some of the safety measures that should be taken into consideration when dealing with the Maritime Liability Policy:

  • Receipts
  • List of paid employees
  • Estimates for some policies (e.g Jones Act)
  • Location of work
  • Period of work
  • History of claims
  • Exposure of the maximum and average number of employees

The distinctive Maritime Employers Liability policy covers the employer’s possible responsibility under the Jones Act in surplus of a retention or deduction. The sub-limit is usually $25,000 and is generally accessible from a Worker’s Compensation carter, if he or she is insured.

Leave A Response

* Denotes Required Field