Mariner Liability Insurance for American Harbor and Docking Pilots Association

Mariner Liability Insurance for American Harbor and Docking Pilots Association

Mariner Liability Insurance Program for American Harbor and Docking Pilots Association PILOTS & DOCKING MASTERS

Choose Your Program

Mariner Liability Program Introduction

  • You’ve worked hard to build your career as a licensed mariner. Protect your livelihood with coverage through the 360 Coverage Pros Marine License Insurance program. This program provides comprehensive coverage options at affordable rates for Mariners. Apply for coverage in just minutes!
    • Tailored coverage options at preferred rates for members of the American Harbor and Docking Pilots Association
    • Exclusively underwritten by Berkley Offshore Underwriting Managers, a member company of Berkley, whose member insurance companies are rated A+ (Superior), Financial Size Category XV by A.M. Best Company.
    • Fast, easy and automated online application….No more waiting for coverage
    • Instant proof of insurance
    • First-class customer care professionals standing by to answer your questions
    • Access to marine claims experts
    • Developed by marine professionals who have spent time at sea and understand the unique challenges and risks that mariners face every day
    • Not a member of the American Harbor and Docking Pilots Association? View other available coverage options.

About This Coverage

Pricing Information

$2 Million License Protection and Defense

Option 1: $1,000,000 License Protection & Defense Costs, $5,000 Foreign Jurisdiction Coverage, $5,000 Loss of Personal Property ($1,000 max per item), $10,000 of Fines/Penalties Coverage PLUS $100,000 of Civil & Criminal Defense, $250,000 of Civil Legal Liability, up to $25,000 loss of income (monthly), and $35 per day subsistence allowance.

Effective Date Pay In Full or Down Payment w/Monthly Payment
01/01/26 Apply today for $770.00 $105.87 $65.83
   View more limit, coverage and pricing options
  • At the time of enrollment, each enrollee will be required to make a non-refundable payment in the amount of the first month’s premium (minimum earned premium). Administrative fees and minimum earned premium are non-refundable.
  • Pricing includes a $40.00 program administration fee. Down payment refers to the monthly payment option. Your down payment includes one month's premium, administrative fees and a $5.00 monthly processing fee. Down payments will be processed immediately; monthly deductions, as shown above, will begin on the third of the month after the enrollment effective date.

Program Features

  • Instant certificate of insurance for qualified applicants
  • Customized options to fit your needs:

    • Option 1: $1,000,000 License Protection & Defense Costs, $5,000 Foreign Jurisdiction Coverage, $5,000 Loss of Personal Property ($1,000 max per item), $10,000 of Fines/Penalties Coverage PLUS $100,000 of Civil & Criminal Defense, $250,000 of Civil Legal Liability, up to $25,000 loss of income (monthly), and $35 per day subsistence allowance.
    • Option 2: $1,000,000 License Protection & Defense Costs, $5,000 Foreign Jurisdiction Coverage, $5,000 Loss of Personal Property ($1,000 max per item), $10,000 of Fines/Penalties Coverage PLUS $250,000 of Civil & Criminal Defense, $500,000 of Civil Legal Liability, up to $25,000 loss of income (monthly), and $35 per day subsistence allowance.
  • Coverage for loss of personal property is provided on a blanket basis
  • Monthly payment options available
  • Safe secure electronic payment portal
  • Coverage available in all 50 states
  • Limits and deductibles are inclusive of defense costs including legal fees and expenses
  • Painless automatic renewal process
    • As a busy professional, you have a lot on your plate. With 360 Coverage Pros' auto-renew feature, there's no need to complete an application every year. We’ll send you a renewal notice and if you still meet the eligibility requirements, you don’t have to do anything.
    • We’ll automatically renew your policy using the payment information we have on file. It’s that easy!

Coverage Limits

  • License Protection & Defense Costs Coverage
    • $1,000,000
  • Civil and Criminal Legal Defense Costs Coverage
    • $100,000 or $250,000
  • Civil Legal Liability
    • $250,000 or $500,000
  • Fines & Penalties Coverage
    • $10,000
  • Foreign Jurisdiction coverage
    • $5,000
  • Loss of Personal Property
    • $5,000 subject to $1,000 sublimit per item
  • Loss of Income
    • Up to $25,000 per month and $35 per day of subsistence allowance
  • Important: This is an Occurrence based policy and under this type of policy coverage is afforded for covered claims where the reported incident occurs within the purchased certificate coverage period, regardless of when the claim is reported to the insurance company. Any incidents that occur before or after the purchased certificate coverage period are not covered.

Deductibles and Retentions

  • $0 Deductible for License Protection and Defense, Foreign Jurisdiction Coverage ($5,000 Coverage Limit), Civil and Criminal Defense, Civil Legal Liability, and Loss of Income & Subsistence Allowance.
  • $250 deductible each claim for loss of personal property ($5,000 coverage limit and $1,000 sublimit per item)
  • 10% of combined total fines and penalties.

Payment Options

  • Pay in full or choose monthly payments via credit card or electronic funds transfer (EFT). For those customers that select the monthly payment option, your credit card or EFT will be processed on the third of each month.

Underwriter

  • Coverage is underwritten by Berkley Offshore Underwriting Managers on behalf of StarNet Insurance Company, whose member insurance companies are rated A+ (Superior), Financial Size Category XV by A.M. Best Company.
  • This coverage is placed with an admitted carrier. Please reference the A.M. Best rating and disclosures link below for an explanation of admitted and non-admitted carriers.

Disclosures

  • All policy documents are delivered in electronic format by default.
  • A.M. Best rating and other disclosures.
  • For complete details on covered professional services and exclusions, please refer to the policy form.

Program Administrator

  • 360 Coverage Pros is administered by Gallagher Affinity, a global insurance brokerage, risk management and consulting services firm.
  • Refer to the policy form for additional definitions, terms, and conditions. Please contact us with any questions or concerns; you can also visit our Frequently Asked Questions section for more information.
  • Program administrative services include policy review and issuance, premium billing and invoicing, mid-term policy changes, coordination and issuance of certificates of insurance, online enrollment and account management and a dedicated customer support team with phone, chat and online contact features.
Frequently Asked Questions
Frequently Asked Questions