Understanding Jones Act Coverage for Commercial Fishermen

Running a commercial fishing operation means navigating more than just rough seas—it also means making sure your crew is protected, especially when the unexpected happens. One of the most important ways to do that? Jones Act coverage.

If you operate a commercial fishing vessel and have a crew onboard, understanding the Jones Act (also known as the Merchant Marine Act of 1920) isn’t optional—it’s essential.

What Is the Jones Act?

The Jones Act is a federal law that gives seamen the right to sue their employer for injuries caused by negligence while working at sea. Unlike standard workers' compensation on land, the Jones Act provides broader protections for crew members and often results in higher payouts if a claim is made.

In simple terms: if a deckhand slips on a poorly maintained deck or is injured due to faulty equipment, they can hold the vessel owner (you) financially responsible.

Why Jones Act Coverage Matters

Most traditional marine policies don’t automatically include Jones Act coverage. That’s why specialized insurance is crucial—especially for commercial fishing vessels where the risk of injury is higher due to weather conditions, heavy equipment, and unpredictable working environments.

Without proper coverage:

• You could be personally liable for medical costs, lost wages, and legal fees.
• Even a single injury could lead to crippling financial losses for your business.
• Your crew might not have access to the care or compensation they deserve.
  
  

What Jones Act Coverage Typically Includes

Jones Act insurance is designed to protect both you and your crew. A quality policy may cover:

• Medical expenses
• Lost wages
• Pain and suffering
• Legal defense and settlements

It works hand-in-hand with other protections like Protection & Indemnity (P&I) insurance to create a full shield around your operation.

Do You Need It?

If your vessel operates in navigable U.S. waters and you have crew members working on board, then yes—you likely need Jones Act coverage. Whether you're running a two-person operation or managing a larger fleet, skipping this type of coverage is a risk no captain should take.

How Sea Mountain Insurance Can Help

At Sea Mountain Insurance, we specialize in protecting commercial fishing operations just like yours. We’ll help you navigate Jones Act coverage and ensure your policy meets the specific needs of your crew and vessel.

Because at the end of the day, your people are just as valuable as your gear—and they deserve insurance that’s seaworthy.

Need help reviewing your current marine policy or starting from scratch?

Let Sea Mountain Insurance be your guide—so you can focus on the fishing, not the fine print. Contact us today for a custom marine insurance quote.