The Marine Program focuses on the small to medium sized marine accounts and provides Maritime Employers Liability (MEL), Hull and Protection & Indemnity (Hull / P&I) and Comprehensive General Liability (CGL) with admission into the program cell.  The program philosophy is to form long term relationships with their maritime clients and understand their business, risk management practices, and business forecast so that insurance coverage can always match the fluctuating exposure. The selection of insureds is cultivated  with caution and care and the selection of claims adjusters and other service providers is done with the focus on effective and efficient client service. This strategy has led to close working alliances with the management and employees of  participating accounts. Program Risk selection starts with accounts familiar to the group, and then involves partnering only with the quality insured’s who have demonstrated sound management and safety practices.

Maritime Employer’s Liability/Commercial Marine Insurance. The Maritime Employers Liability or MEL policy typically provides coverage for an Insured’s employees while working on non-owned or operated vessels.

Hull Insurance Coverage is protection against damage to a covered vessel.

Protection and Indemnity coverage is liability insurance for practically all maritime liability risks associated with the operation of a vessel, other than that covered under a workers compensation policy and under the collision clause in a hull policy. It is often written as a package with Hull coverage.

Commercial General Liability policies protect business owners against claims of liability for bodily injury, property damage, and personal and advertising injury (slander and false advertising).