A standard contractor policy stops at the water’s edge. Marine contractors need the marine versions of the same coverages: Marine General Liability that doesn’t exclude work over or in the water, protection for the barges, tugs, and cranes you float out to the job, and the right maritime workers’ comp — because a crew member hurt on a barge is almost never a plain Florida comp claim.
What it covers
- Marine General Liability — injury and property damage arising from work over, in, or adjacent to the water
- Protection & Indemnity for barges, tugs, workboats, and crew boats you own or charter
- Hull coverage on the vessels, plus equipment floaters for cranes, pile drivers, and dredges
- Care, Custody & Control — damage to the vessel, dock, or seawall you were hired to work on
- USL&H and Jones Act exposure for maritime employees who fall outside state comp
- Pollution and wreck-removal liability when a job goes into the water
- Contractor’s pollution and completed-operations coverage for the finished dock or seawall
Who needs it
Dock and seawall builders, piling and marine pile-driving contractors, dredgers, marina and boatlift installers, salvage and towing operators, and diving contractors — plus any general contractor whose scope crosses the shoreline.
Broward and Miami-Dade permitting, marina contracts, and DEP-permitted work all push additional-insured and waiver wording that a land-only GL can’t satisfy. We also sort out the piece most agents miss in Florida: whether your crew belongs on state workers’ comp, USL&H, or a Jones Act policy — guess wrong and the claim is uncovered.