Maritime Employers Liability Insurance

Comprehensive Maritime Employers Liability Coverage from LIG Marine Managers, Inc.

LIG Marine Managers, Inc. offers a focused Maritime Employers Liability Insurance program that protects employers whose staff work aboard vessels they do not own or operate. This coverage is designed for contractors and businesses with maritime exposures — where employees face hazards while working at sea or aboard third-party vessels. LIG leverages deep marine expertise and access to multiple carriers so agents and brokers can place complex accounts with flexible terms.

Ideal Accounts and Target Classes

This program is tailored for companies that send employees aboard vessels, whether those vessels are owned by the insured or by third parties. Typical target classes include:

• Boat companies and ferry operators
• Marine contractors and surveyors
• Shipyards and stevedores
• Divers, marine inspectors, and safety consultants
• Marina operators and dock crews
• Consultant engineers and instrument loggers working aboard vessels
• Tradespeople (carpenters, electricians, bilge cleaners) assigned to vessel work
• Any employee whose work requires time aboard vessels underway

You might have a client that provides partial repairs to vessels, a surveyor who boards ships at multiple ports, or a marina that assigns staff to customer vessels — all examples that can fit this program when exposures are clearly documented.

Coverage Highlights and Advantages

Key program features include:

• Primary or Excess Placement — Write the coverage as primary or excess to suit the account.
• Worldwide Coverage — Protects employees operating in international waters.
• Standard $1,000,000 Limits — Higher limits available on request.
• Coverage for Non-Crew Functions on Owned Vessels — Employees working aboard insured-owned vessels (who are not crew) can be covered.

The policy addresses maritime legal exposures commonly faced by employers, including maintenance & cure, unseaworthiness, wrongful death, Jones Act exposures, and Death on the High Seas Act claims.

Underwriting Notes and Minimum Premiums

Underwriting focuses on clear documentation of employee roles, vessel types, voyage profiles, and operating jurisdictions. Provide payroll by class, typical tasks performed aboard vessels, frequency and duration of vessel boarding, and any existing safety programs or training.

Minimum premiums: $10,000 if written monoline, or $5,000 when placed with supporting lines. LIG works with agents to classify exposures correctly and identify the best market placement.

Territory and Market Access

This program is available nationwide, including all 50 states and the District of Columbia. LIG Marine Managers places coverage across admitted and non-admitted markets as appropriate for the risk and jurisdiction, providing flexibility when standard markets are constrained.

Why Work With LIG Marine Managers, Inc.?

As a Managing General Agency and Excess & Surplus Lines Broker specializing in marine exposures, LIG offers underwriting depth, responsive service, and broad market access. Agents get dedicated support to place niche maritime liabilities that many standard carriers will not accept, plus guidance on packaging this coverage with complementary lines.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.