Marine General Liability Insurance
Does your company perform in or near water? Have you covered all your possible exposures? Whether you need coverage for damages or pollution, we specialize in marine packages for all marine related businesses.
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It is important to note, Commercial General Liability policies exclude marine work. Marine Contractors face exposure if they do not have the correct coverages 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.
USL&H
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.The Best Way to Take Sildenafil Citrate. Part 2
We have used Kelly White & Associates Insurance for many years for both our business and personal insurance needs. We originally met Kelly at a Florida Marine Contractors Association Expo, where she reviewed our policies and saved us several thousand dollars. We highly recommend Kelly and her staff. They are professional and courteous and have excellent customer service. They are also very thorough in researching all aspects of your insurance requirements whenever necessary. They take great care to insure that you have complete coverage without being “over” insured. It is always a pleasure to work with them.
Maria M.
Everyone at Kelly White Insurance, is friendly, knowledgeable and quick to get us what we need for our electrical contracting business. Kelly helped us figure out a few things and lowered the cost of our insurance. they are a 5 star company for sure!!! If you are looking for an insurance team that will be there for you contact Kelly’s team for amazing service that can not be beat!
Elizabeth H.
Kelly White and her wonderful staff has reviewed many of my policies and saved me thousands of dollars on insurance. They are always friendly and personable on the phone and super helpful.
I recommend them to many clients in my office and all of my friends.
DK O’Brien
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