Coverage Includes License Protection & Defense Costs
Immediate Claim Response With Our 24/7 Admiralty Attorney Hotline
If you hold an Operator of Uninspected Passenger Vessels (OUPV) license - often called a 6-Pack license - investing in protection beyond your vessel's hull insurance is one of the smartest choices you can make in your career.
When a maritime accident occurs, those involved often find themselves under investigation by license-issuing authorities. Regardless of fault on your part, an investigation could lead to temporary license suspension, putting you out of work for months or longer.
Straightforward protection for charter captains
An incredible value for:
Charter Fishing Captains
Bareboat Chartering
Recreational & Leisure Charters
Special Events
Sailing/Yachting
Tours & Cruises
Dolphin & Whale Watching
Transportation
And more!
An accident may also lead to a lawsuit, which could cost you thousands or more in attorney's fees, judgments, fines and penalties.
When the unpredictable happens, we act quickly to provide immediate legal representation and get you back to work as soon as possible.
If you do, schedule a free, no-obligation consultation with one of our Mariner Liability Insurance experts. In under 30 minutes, we can discuss your needs, answer any questions and review the policy and coverage options with you.
Scheduling is easy, and you can cancel or reschedule your consultation anytime.
With 360 Coverage Pros, you can trust that your coverage has an advantage over the other policies out there. Affordable, upfront pricing, no hidden fees, U.S.-based customer service, comprehensive coverage options... the list goes on.
360 Coverage Pros
The Other Guys
Upfront pricing without the need to input personal information
Access to a 24/7 admiralty attorney hotline for immediate claim response
Loss of income coverage available as a policy add-on
Coverage for up to $1,000,000 in license protection and legal defense costs incurred as a result of a covered loss.
Includes up to $10,000 in reimbursement for fines and penalties, a $5,000 limit for foreign jurisdiction coverage and up to $5,000 in reimbursement for loss of personal property (subject to a $1,000 sublimit per item).
All coverage options include the ability to cover lost monthly compensation (up to 12 months) plus a $35 per day subsistence allowance in the event of a suspension or revocation of the insured's license or payment for the difference in wages for those receiving a reduction in license grade.
Choose from these options: $2,000 a month (+$15 additional premium annually), $5,000 (+$38) or $10,000 (+$75)
For OUPV license holders, our policy protects a variety of roles and niches, including, but not limited to, charter fishing, bareboat chartering, recreational and leisure charters, special events sailing/yachting tours and cruises, dolphin and whale watching, transportation, and more!
Coverage up to $50,000 in defense costs and associated expenses in the event the insured is served with a civil or criminal complaint or process by a court of inquiry, regulatory board or other governmental authority resulting from a covered casualty. Includes Basic coverage.
"A+" rated, admitted carrier Berkley Offshore underwrites Mariner Liability Insurance from 360 Coverage Pros, providing strong financial backing and an unmatched foundation of marine law and insurance experts.
Coverage up to $100,000 for civil legal liability related to bodily injury and/or property damage as a result of a covered casualty up to the limit purchased. Includes Basic and Choice coverages.
+$100 additional premium annually (over Choice)
Not A Charter Captain?
We also have coverage options for masters, pilots, docking masters, tug captains, chief mates, second and third mates, chief engineers and second, third and designated duty engineers. Learn more >
Like any insurance policy, Mariner Liability Insurance can initially seem a little complex. See below for some frequently asked questions from our customers, and remember you can always schedule a consultation with a policy expert for help understanding the policy and the available coverage options.
What are the differences between Mariner Liability Insurance and Hull Insurance?
Mariner Liability Insurance is a separate policy from Hull Insurance and serves a unique but necessary purpose. Your hull coverage protects your vessel physically so you can get it repaired when damage is incurred from an accident. Mariner Liability Insurance is unique in that it provides license protection and defense when you're involved in an accident. Your hull coverage is strictly for physical damages and won't provide this license or liability protection.
Mariner Liability Insurance policies also offer endorsements for civil and criminal defense to pay for court defense costs related to a covered claim, as well as civil legal liability to help pay for court-ordered damages. Mariners also have the option to add on loss of income coverage to their Mariner Liability Insurance policy to help pay for lost or reduced wages as a result of a covered claim.
How much does Mariner Liability Insurance cost?
Coverage starts at just $25.83 per month or $290 annually for those with an OUPV/six-pack license. Your final monthly or annual premium will depend on the coverage options you choose when purchasing coverage.
What else does Mariner Liability Insurance cover?
Beyond license and liability coverage, Mariner Liability Insurance policies also cover the loss of professional instruments or equipment (personal property, subject to sublimit), costs related to the accidental discharge of oil, groundings, wake damage and injuries to passengers caused while operating a vessel.
