What is the difference between MEL Insurance and Jones Act Insurance
What is the difference between MEL Insurance and Jones Act Coverage?
MEL Insurance Coverage
If your employees find themselves on a vessel operated by another company, Maritime Employers Liability Insurance should be a consideration.
Once a vessel has left the dock and is under its own power, state Workers' Compensation does not cover you and USL&H coverage will not be enough to cover your employees.
Employers that should consider Maritime Employers Liability Insurance if your company is involved with supplying equipment or making repairs to other companies' vessels.
What is the difference between MEL Coverage and Jones Act Coverage?
The Jones Act covers employees onboard vessels owned, leased or operated by your company, while MEL covers incidents that may occur while an employee is working on a vessel owned and operated by another party.
So one can see that it boils down to this, if you own or lease the vessels, then Jones Act Coverage is needed and if you do not then MEL Insurance is needed.