Marine Liability

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Key benefitsWhat's covered?Risk appetiteContact
Marine

Tailored insurance for US marine businesses

Marine Liability insurance protects marine businesses from a range of legal liabilities, including damages, settlements and associated defence costs arising from bodily injury, property damage and other covered maritime exposures.

DUAL's Marine Liability solutions are designed for US-domiciled businesses involved in offshore, and waterfront operations. Offering three core types of marine liability coverage, policies can be standalone or written as a combined package.

$1m

Primary limit

$5,000

Minimum deductible

A-rated

Capacity provider

Key benefits

  • A single combined deductible

    Policy can be amended to apply only one deductible when an 'action over' loss triggers both MEL and MGL coverage.

  • Bespoke policy wordings

    Tailored coverages, premium structures, and deductibles to address your client's specific risk management needs.

  • Punitive damages protection

    Cover can be extended, where legally permissible, to include punitive damages awarded by the courts.

  • 24/7 claims service

    Clients can speak to experienced, US-based claims specialists at a time that suits them. Whenever, wherever.

What’s covered?

Our specialist underwriters can arrange standalone cover or combined packages. Building around your client's unique exposures, we write bespoke wordings that provide comprehensive protection.

Protection and Indemnity (P&I) insurance provides broad coverage for liabilities associated with owning and operating vessels. 

Covered risks include:

  • Injury or death of crew, passengers, and third parties
  • Damage to other vessels, structures, or property (where not covered under Hull and Machinery insurance)
  • Wreck removal and debris removal costs 
  • Cargo damage while on vessel
  • Fines and penalties (where insurable by law)

Standard liability insurance policy to protect against third-party liabilities, using the standard ISO Commercial General Liability wording.

Covered risks include:

  • Bodily injury
  • Property damage arising out of their premises, operations, products, and completed operations
  • Advertising and personal injury liability

Maritime Employers Liability insurance covers employees while working aboard non-owned or operated vessels. Policies protect employers against the legal and financial consequences of claims brought by their employees, including:

  • Legal defence costs 
  • Damages awarded by a court

Maritime Employers Liability also covers liabilities associated with Jones Act employees, including:

  • Transportation back to shore following an injury 
  • Medical expenses 
  • Lost wages and living expenses while recovering from an injury

Our policies follow the current standard London Maritime Employers Liability wording, LSW675A.

Marine

Our risk appetite

Our team can arrange cover for any kind of marine operation, no matter how complex. We work with clients involved in a wide range of projects, including but not limited to:

  • Caterers

  • Commercial fishing vessels

  • Defence contractors

  • Dredging contractors

  • Offshore construction contractors

  • Offshore consultants

  • Rigging contractors

  • ROV operators

  • Saturation and shallow divers

  • Staffing contractors

  • Start up operations

  • Tug, barge, and ancillary craft owners/operators

IBUK - Marine

Acclaimed by our peers

We are delighted to have been recognised in the 2025 Insurance Business UK Brokers on MGAs award.

Find out more

Why choose DUAL?

  • Broad appetite

    DUAL specialises in arranging cover for complex and unusual risks.

  • Empowered underwriters

    Talk directly to decision-makers who are motivated to find solutions. Bring us your insurance problems. We'll help you solve them.

  • Swift underwriting

    With flexible and streamlined processes, we can make fast underwriting decisions.

  • A-rated security

    DUAL is backed by specialist marine A-rated capacity, offering quality protection for clients.

Underwriting requirements

To start the underwriting process, we need a completed application form to be submitted via a London broker. 

DUAL’s MEL application form can be found here, all standard MEL and CGL application forms are accepted.

 In addition, we'll typically ask for the following information:

  • Insured details, including nature of operations and location.

  • Five years of verified loss history, including paid amounts and outstanding reserves.

  • A complete schedule of vessels (for P&I only).
Marine

Resources

Meet the team

Here to help

If you are a broker or other intermediary, please use this form for all general enquiries or call us on +44 (0)20 7337 9888. Please note that DUAL is not authorised to deal directly with customers so please direct any enquiries via your insurance broker.

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