Mariner Liability Insurance for Sea Tow
Mariner Liability Insurance Program for Sea Tow CAPTAINS
Mariner Liability Program Introduction
-
As a member of Sea Tow we know you’ve worked hard to earn your USCG license and maintain the utmost professionalism with your commitments to your business, clients, passengers. Protecting your license and yourself against license investigations, day-to-day risks and allegations of professional negligence is where 360 Coverage Pros steps in to provide you peace of mind. Sea Tow endorses this Marine License & Professional Liability Insurance Program to provide you with best-in-class, comprehensive coverage at Sea Tow-preferred rates. Apply for coverage in just minutes!
- Coverage is underwritten by Berkley Offshore Underwriting Managers, who is rated A+ (Superior), by A.M. Best Company
- Low monthly payments starting at just $42.50
- Fast, easy and automated online application
- Instant proof of insurance sent right to your email address
- 24/7 access to our admiralty attorney hotline in the event of an incident
- Direct access to the Insurance Program Manager (jarrett_millican@ajg.com) for coverage questions
- Developed by USCG-licensed marine professionals who understand the risks captains face every day
- 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!
About This Coverage
-
This Program is designed for all Sea Tow vessel operators providing professional services under their USCG license. We also have a portability endorsement available which will extend your coverage to professional services provided outside of Sea Tow including but not limited to:
- Charter Fishing
- Bareboat Chartering/Skippering
- Recreational/Leisure Charters
- Special Events
- Sailing/Yachting
- Tours & Cruises
- Dolphin/Whale Watching
- Transportation
- Any type of Coast Guard Inspected Vessel (COI) services
Pricing Information
$2M License Protection & Defense
Basic Coverage: Includes license protection & defense costs of $2,000,000, $10,000 of fines and penalties coverage , 100,000 of Civil & Criminal Defense, and $250,000 of Civil legal liability.
| Effective Date | Pay In Full | or Down Payment | w/Monthly Payment |
|---|---|---|---|
| 01/01/26 | Apply today for $490.00 | $82.50 | $42.50 |
- 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
-
Sea Tow has negotiated preferred pricing on behalf of its members and highly recommends exploring these comprehensive coverage options to better protect your livelihood by clicking ‘Apply Now’.
- All options provide coverage for License Protection & Defense (USCG or regulatory hearings), Civil or Criminal Defense costs arising from a shipping casualty/vessel incident as well as Civil Legal Liability or damages which you may become liable to pay for bodily injury and/or property damage as a result of an incident. Choice and Premium options include loss of income coverage which provides monthly compensation in the event your license is suspended temporarily or permanently. Options are as follows:
- Basic: $2,000,000 for License Protection and Defense , $100,000 per occurrence limit for Civil and Criminal Legal Defense and $250,000 for Civil Legal Liability. Only $490/yr
- Choice: $2,000,000 for License Protection and Defense , $100,000 per occurrence limit for Civil and Criminal Legal Defense and $500,000 for Civil Legal Liability. $5,000 per month Loss of Income Coverage included. Only $605/yr
- Premium: $2,000,000 for License Protection and Defense , $250,000 per occurrence limit for Civil and Criminal Legal Defense and $1,000,000 for Civil Legal Liability. $5,000 per month Loss of Income Coverage included. Only $705/yr
- Optional coverage: Purchase additional coverage that permits Sea Tow captains to make their coverage portable (their limits of liability are extended to other professional services or work outside of Sea Tow). Only $300 additional premium/yr
- For your other vessel insurance needs such as Protection & Indemnity (Hull) or Commercial Marine/Marine General Liability Insurance to cover passengers, equipment or crew, Sea Tow has an agreement with Hilb Group to Review Marine Insurance Coverage for Owners, Managers & Instructors. Contact Curtis McKeon at cmckeon@hilbgroup.com or (800) 232-0582 Ext. 2191.
- Instant certificate of insurance for qualified applicants
- Monthly payment options available
- Safe secure electronic payment portal
- First-class customer care professionals standing by to answer your questions
- Coverage available in all 50 states
-
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
-
Program Limits For Sea Tow Captains
- $2,000,000 Limit of Liability for Marine License Protection & Defense Costs Coverage
- $10,000 limit for Fines & Penalties (included)
- $5,000 limit for Foreign Jurisdiction Coverage (included)
- $5,000 limit for Loss of Personal Property, up to $1000 per item (included)
-
Civil Legal Defense/Criminal Defense Costs Coverage
- $100,000, $250,000 or $500,000
-
Civil Legal Liability
- $250,000; $500,000 or $1,000,000
- 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.
- Developed by marine professionals who have spent time at sea and understand the unique challenges and risks that wheelmen face every day
- 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.
- Limits and deductibles are inclusive of defense costs including legal fees and expenses
- 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.
- To report a claim, please contact Berkley Offshore by phone at (212) 618-2960 during normal business hours, or at (347) 380-0857 for 24/7 Emergency Claims Service. Once the claim has been initially reported, please fill out the Claims Reporting Form and return the completed form to the email address listed on the document.
Not Due to Renew Yet?
Sign up for a FREE Renewal Reminder and avoid a gap in coverage.
