Mariner Liability Insurance for Concept Special Risks
Mariner Liability Insurance Program for Concept Special Risks CHARTER CAPTAIN 6 PACK / OUPV
Mariner Liability Insurance Program for Concept Special Risks DELIVERY CAPTAIN
Mariner Liability Program Introduction
-
You’ve worked hard to earn your USCG-license and build your business and career as a charter captain. Your vessel’s coverage is in great hands with Concept Special Risks, but now it’s time to protect your license and your individual livelihood as a captain with marine license and professional liability insurance. Safeguarding yourself from license investigations, day-to-day risks, and allegations of professional negligence is where 360 Coverage Pros steps in to provide you peace of mind. This Mariner Liability Insurance Program delivers best-in-class, comprehensive coverage at great rates to ensure that you’re amply covered across the board.
- Program is 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
- Developed by marine professionals who have spent time at sea and understand the unique risks vessel operators and crew face every day
- Low monthly payments starting at just $42.50 per month
- 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 our 24/7 incident reporting hotline and an admiralty attorney
- Coverage for: (more information on limits of liability in the Program Limits section below):
- Marine License Protection & Defense Costs (USCG or regulatory hearings)
- Fines & Penalties
- Foreign Jurisdiction
- Loss of Personal Property
- Civil & Criminal Defense
- Civil & Legal Liability
- Optional Loss of Income Coverage
Coverage Limits
-
Program Limits For Charter 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)
- $50,000 Civil & Criminal Defense Coverage
- $100,000 Civil Legal Liability Coverage
-
Optional Loss of Income (includes $35 per day subsistence allowance)
- $2,000 Option -$15 annually
- $5,000 Option -$38 annually
- $10,000 Option -$75 annually
- 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.
About This Coverage
-
This Program is designed for vessel operators and crew holding Merchant Mariner Credentials or USCG-licenses and operating OUPV vessels offering various types of charter services. Coverage is afforded, but not limited to:
- Charter Fishing
- Bareboat Chartering/Skippering
- Recreational/Leisure Charters
- Special Events
- Sailing/Yachting
- Tours & Cruises
- Dolphin/Whale Watching
- Transportation
Pricing Information
$2 Million License Protection and Defense
Premium Coverage - Civil Legal Liability: Includes license protection & defense costs of $2,000,000 and $10,000 of fines and penalties coverage PLUS $50,000 of Civil & Criminal Defense and $100,000 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
- Instant certificate of insurance for qualified applicants
- 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
- New Coverage Option: Optional Errors and Omissions insurance coverage for educators and instructors for an additional $250 of premium.
-
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!
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.
- 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.
Mariner Liability Program Introduction
-
You’ve worked hard to earn your USCG-license and build your business and career as a charter captain. Your vessel’s coverage is in great hands with Concept Special Risks, but now it’s time to protect your license and your individual livelihood as a captain with marine license and professional liability insurance. Safeguarding yourself from license investigations, day-to-day risks, and allegations of professional negligence is where 360 Coverage Pros steps in to provide you peace of mind. This Mariner Liability Insurance Program delivers best-in-class, comprehensive coverage at great rates to ensure that you’re amply covered across the board.
- Program is 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
- Developed by marine professionals who have spent time at sea and understand the unique risks vessel operators and crew face every day
- Low monthly payments starting at just $42.50 per month
- 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 our 24/7 incident reporting hotline and an admiralty attorney
- Coverage for: (more information on limits of liability in the Program Limits section below):
- Marine License Protection & Defense Costs (USCG or regulatory hearings)
- Fines & Penalties
- Foreign Jurisdiction
- Loss of Personal Property
- Civil & Criminal Defense
- Civil & Legal Liability
- Optional Loss of Income Coverage
Coverage Limits
-
Program Limits For Charter 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)
- $50,000 Civil & Criminal Defense Coverage
- $100,000 Civil Legal Liability Coverage
-
Optional Loss of Income (includes $35 per day subsistence allowance)
- $2,000 Option -$15 annually
- $5,000 Option -$38 annually
- $10,000 Option -$75 annually
- 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.
About This Coverage
-
This Program is designed for vessel operators and crew holding Merchant Mariner Credentials or USCG-licenses and operating OUPV vessels offering various types of charter services. Coverage is afforded, but not limited to:
- Charter Fishing
- Bareboat Chartering/Skippering
- Recreational/Leisure Charters
- Special Events
- Sailing/Yachting
- Tours & Cruises
- Dolphin/Whale Watching
- Transportation
Pricing Information
$2 Million License Protection and Defense
Premium Coverage - Civil Legal Liability: Includes license protection & defense costs of $2,000,000 and $10,000 of fines and penalties coverage PLUS $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 $1,240.00 | $145.00 | $105.00 |
- 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
-
Customizable options to fit your needs:
- Basic Coverage – License Protection & Defense Costs: (includes Foreign Jurisdiction Coverage and Loss of Personal Property). Coverage provides for the legal defense costs incurred as a result of a shipping casualty as well as the reimbursement of civil fines and penalties and, if resulting from a pollution incident, criminal fines and penalties imposed against you resulting from a shipping casualty, up to $10,000. Basic Coverage also includes coverage for lost or damaged personal property.
- Choice Coverage (Includes Basic Coverage) – Civil & Criminal Defense: Coverage for defense costs and associated expenses in the event that you are served with a civil or criminal complaint or process by a court of inquiry, regulatory board, or other governmental authority, resulting from a shipping casualty.
- Premium Coverage (Includes Basic & Choice Coverage) – Civil Legal Liability: Coverage for sums in which you have become legally liable to pay for bodily injury and/or property damage as a result of a shipping casualty, up to the limit purchased.
- Optional Loss of Income Coverage: Coverage for monthly compensation (up to 12 months) plus a $35 per day subsistence allowance in the event of the suspension or revocation of your license or compensation for the difference in wages should your license be reduced in grade.
- For a full description of any of these coverage options please refer to your policy.
- 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!
Deductibles and Retentions
- $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.
- 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.
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