Coverage lines

Insurance built line-by-line for marine contractors.

Each policy below addresses a specific exposure in marine construction — from the watercraft exclusions your GL shouldn’t have to the Jones Act and USL&H gap that sinks uninsured crews working over water.

Core coverage

Marine General Liability Insurance

Third-party bodily injury and property damage protection for your marine construction operations — built for over-water work that standard general liability excludes. Covers docks, piers, marinas, seawalls, and waterfront projects, including the watercraft and over-water exposures most GL policies strip out.

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Jones Act & USL&H (Longshore) Coverage

Maritime worker protection that standard workers' comp does NOT provide. The Jones Act covers your crew on navigable waters, and USL&H (Longshore and Harbor Workers' Compensation Act) covers over-water marine construction. If your crew works over water — pile driving, dock work, dredging — this coverage is mandatory and frequently overlooked.

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General Liability Insurance

Third-party bodily injury and property damage protection for your landside marina operations — staging yards, fabrication shops, upland site work, and any operation that stays ashore. Paired with marine GL to close the gap where the waterline begins.

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Workers' Compensation

Coverage for the injury patterns unique to marine construction — falls into the water, struck-by pile and crane loads, dive injuries, and equipment amputations — correctly coded for marine trades. Coordinated with Jones Act and USL&H so there are no gaps between your landside and over-water crews.

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Commercial Auto Insurance

Coverage for the pickup trucks, dump trailers, lowboys, and material haulers that move your crew, pile sections, and dock materials between the yard and the launch — including hired/non-owned vehicles and loading liability.

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Inland Marine / Equipment Insurance

Scheduled equipment coverage for the high-value marine gear that makes over-water work possible — barges, crane-mounted pile drivers, dredges, tug boats, workboats, air compressors, and hydraulic equipment. Coverage that follows your gear onto the water and between jobsites.

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Builder's Risk Insurance

Course-of-construction coverage for the dock, pier, marina, or waterfront structure you're building — pile sections, decking, materials, and labor in place — against fire, wind, storm, theft, and vandalism while the project is open to loss over the water.

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Umbrella / Excess Liability

Layered limits above your marine GL, auto, and employers' liability — essential when a drowning, a crane collapse over water, or a multi-party waterfront loss could otherwise exhaust your primary coverage. Maritime losses trend high; this is the layer that protects your business.

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Not sure which lines you need?

Most marine contractors bundle marine GL + Jones Act/USL&H + workers' comp + builder's risk + an equipment floater into one coordinated program. We'll build the right mix in one call.

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