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Jones Act Insurance

Jones Act insurance coverage is a form of marine insurance obtained by the owner(s) or operators of a vessel. The insurance premiums are paid by the owner into a fund used to pay out benefits to injured maritime workers who have a Jones Act claim.

Jones Act Coverage

As a field of maritime law, the Jones Act has many definitions and limitations regarding how and when Jones Act insurance benefits will be awarded to an injured individual. Not all individuals involved in the maritime industry are covered for Jones Act benefits. The individuals who are generally eligible are workers who incur injuries while working aboard or contributing to the voyage of a vessel on navigable waters, such as:

seamen
sailors
fishermen
cruise ship workers
ferry boat workers
tug boat workers
barge workers
oil platform workers
construction workers of vessels and barges
commercial divers
harbor workers

Jones Act Vessels

However, the particular vessel involved in an individual's injury is also a crucial aspect of a Jones Act lawsuit. This legislation specifies that "Jones Act vessels" are "structures designed for and being used for the transportation of passengers, cargo or equipment across navigable waters." This includes:

ships
rigs
barges
tugs
cruise ships
recreational boats
floating cranes
tankers
offshore oil drilling rigs
dredges
jack-up rigs

What Benefits Does Jones Act Insurance Provide?

When an employer or owner has Jones Act insurance, the insurance coverage can provide benefits such as:

compensation for wages lost because of the accident
compensation for usual and customary charges related to medical care
coverage for the costs of food and lodging

Ask a Jones Act Law Firm for More Information

If you have suffered an injury during your work for or on a Jones Act vessel, find out more about Jones Act insurance benefits. Contact us to schedule a no-fee, no-commitment consultation with a law firm near you that represents injured maritime workers. Your circumstances will be assessed by a Jones Act lawyer, and your legal options will be explained to you.

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