Essential Coverage for Professional Mariners
Every day, maritime accidents and incidents occur that can lead to a suspension of your license
pending investigation– regardless of fault. With adverse weather and other hazards comes the
potential for vessel damage, personal injury and even fatalities. Having a Mariner Liability
Insurance policy in place is a must for protecting you, your career and your financial future.
You’ve worked hard to build your career as a professional Mariner–don’t leave your license and
your livelihood to chance.
What Does This Mariner Liability Insurance Policy Cover?
The 360 Coverage Pros Mariner Liability Insurance Program offers comprehensive coverage
options at low monthly rates – and applying for a policy online takes just minutes.
This policy helps protect against the cost of collisions or allisions with other vessels, as well as
with docks and other stationary objects.
This Mariner Liability Insurance Policy Includes Coverage For:
- $1 million in license protection and defense costs (higher limits available)
- $10,000 coverage for fines and penalties
- Loss of professional instruments or equipment
- Accidental discharge of oil, groundings, and wake damage
- Injuries to passengers that are caused while operating a vessel
- The cost of investigations and charges by the Coast Guard
- Suspension or revocation of your marine license
Optional Coverage Options Include:
- License Protection and Defense Costs (including Foreign
Jurisdiction Coverage and Loss of Personal Property)
- Legal representation in the defense of civil or criminal
proceedings that arise from a shipping casualty
- Civil damages that you are legally liable to pay for bodily injury
and/or property damages that occur due to a shipping casualty
- Monthly compensation for up to 12 months – plus a daily allowance
for subsistence in the event of the suspension or the revocation
of your license (or compensation for the difference in wages
should your license be ordered replaced by a lower grade license)
- Loss of income due to an investigation and/or hearing by the Coast Guard
There are no deductibles required for all of our coverage options, other than for fines or
penalties that you may be liable for. Premiums for your plan can be paid monthly or annually –
whichever works best for you.
This coverage is designed specifically to protect the following classes of professional mariners:
- Master
- Tug Captain
- Chief Mate
- Second Mate
- Third Mate
- Chief Engineer
- Second Engineer
- Third Engineer
- Designated Duty Engineer
The Cost of Not Having Mariner Liability Insurance
Just like operating a vehicle on the road, bodily injury and property damage can occur on the
water. This could lead to costly medical expenses and property repairs, as well as potential legal
liability if you are named as a defendant in a lawsuit. Regardless of whether or not you were at
fault in a water-related incident, accident, or injury, it is likely that the authorities will
investigate, which could still require you to defend your decision.
Mariner Liability Insurance can help you to defray these expenses so that you can quickly get
back on the water.
Investigations can be both time-consuming and expensive – and could be even more costly if
your marine license is suspended or revoked leaving you unable to earn income during the
process. A Mariner Liability Insurance policy can help you protect your financial security and your
career altogether.
Who Needs Mariner Liability Coverage?
Even the most experienced and highly skilled mariner could still find themselves in a situation
that requires legal assistance. Just like other licensed professionals - such as doctors,
accountants, and attorneys – events can occur that are out of your control. But, while you can’t
always prevent accidents or injuries from happening, you can control how much out-of-pocket
money it will cost you.
Mariner Liability Insurance can provide you with an attorney to help with defending your marine
license if an issuing authority questions your ability to hold it. Your attorney representation may
also include other services, too, such as accompanying you to depositions and court
proceedings and working with you when providing witness statements and/or responding to
Letters of Warning notices.
In addition, Mariner Liability Insurance policies can also protect you against the loss of income
you may incur (for up to a specified period of time) if your marine license becomes suspended
or revoked.
How Much Does Mariner Liability Insurance Cost?
Chose the coverage options that best fit your needs and determine your premium using our
quick rate calculator. Coverage starts at just
$25.83 per month.
Your premium will depend on several factors including your average monthly income, license
grade and additional coverage options you may choose to include with your policy.
It’s fast and easy to secure your Mariner Liability Insurance online today. At 360 Coverage Pros,
we make binding – and keeping - your Mariner Liability Insurance policy painless! When it’s time
to renew, our automated renewal process prevents you from having to re-apply each year.
Mariner Liability Insurance Coverage You Can Count On – Even in Rough Waters
This Mariner Liability Insurance program was developed by marine professionals who
understand the risks and challenges that professional mariners face on a regular basis.
Coverage is available in all 50 states, as well as in U.S. territories, so you can be assured that
you’re protected from coast to coast. This policy backed by Berkley Offshore Underwriting
Managers, a member company of Berkley, and an “A+” rated insurer (by A.M. Best Company)
based on its financial strength and stability.
