Contractors installing a metal roof on a beachside structure
Marine Contractors · California

Work on the water needs different paper.

Liability for contractors who build and repair docks, piers and seawalls, work in marinas, or service boats, where a standard contractor policy often falls short.

By Sam Alishahi · CA Insurance License #4348151 · Reviewed November 2026 · How this page is researched

How it works

Standard contractor policies often exclude it

Many contractor liability policies exclude work over water, on docks or on vessels. Marine contractors general liability is written for that exposure, and marinas and port authorities often require it with specific limits and additional insureds.

Workers on or near navigable water can fall under federal longshore (USL&H) rules instead of state workers' comp, which changes the coverage you need. I review your operations and place liability, equipment and workers' comp with markets that write marine trades.

  • Marine contractors GLInjuries and damage from your work at docks, marinas and on the water.
  • EquipmentTools, barges and work boats, subject to policy terms.
  • USL&H reviewFederal longshore coverage when your work requires it.
  • Contract requirementsLimits and additional insureds for marinas and ports.
Who I help

Contractors that call me

Dock and pier builders

Construction and repair over water.

Marina contractors

Electrical, plumbing and maintenance at marinas.

Boat repair and service

Mobile mechanics, detailers and yards.

Seawall and shoreline work

Coastal construction. Contractor insurance

Equipment and work boats

Coverage for what you bring to the job. See details

Your own boat

Personal watercraft and yachts. See details

Before you call

What underwriters will ask

Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.

Start the Quote Form

  • Work: what you build, repair or service, and where.
  • Water exposure: share of work over water or on vessels.
  • Revenue and payroll: annual revenue, payroll and subcontractors.
  • Equipment: barges, work boats and major tools.
  • Contracts: marina or port insurance requirements.
  • History: current policies and claims.

Who the federal longshore act actually reaches

The Longshore and Harbor Workers' Compensation Act has two tests, and an injured worker has to meet both. The first is where the injury happens: on the navigable waters of the United States, including any adjoining pier, wharf, dry dock, terminal, building way, marine railway or other adjoining area an employer customarily uses to load, unload, repair, dismantle or build a vessel (33 U.S.C. 903(a)). The second is what the person does: maritime employment, which the Act says includes harbor workers such as ship repairmen, shipbuilders and ship-breakers (33 U.S.C. 902(3)).

Several of the exclusions in 902(3) matter for marine contractors:

  • People employed by a marina who are not engaged in construction, replacement or expansion of the marina are excluded, and routine maintenance does not count as that work.
  • People employed to build a recreational vessel under 65 feet, or to repair any recreational vessel, are excluded.
  • People employed exclusively for office clerical, secretarial, security or data processing work are excluded.
  • The master or a member of the crew of any vessel is excluded (see the next section).

The marina, recreational-vessel and office exclusions apply only if those workers are covered by a state workers' compensation law. So a crew driving piles for a marina expansion and a mechanic repairing pleasure boats in the same slips can land on different sides of the line. When I set up a file, I ask what share of payroll is on or beside the water and what the work is, so the state workers' comp policy and any federal longshore endorsement line up with how your people actually spend their days.

Running a work boat or barge: the Jones Act line

Once your people work from a vessel, a second federal system can come into play. The longshore act excludes "a master or member of a crew of any vessel" (33 U.S.C. 902(3)(G)). Seamen look to the Jones Act instead: under 46 U.S.C. 30104, an injured seaman, or the personal representative of a seaman who dies from the injury, may bring a civil action against the employer with the right of trial by jury.

Who counts as a seaman comes from the Supreme Court. In Chandris, Inc. v. Latsis (1995), the Court set two requirements:

  1. The worker's duties contribute to the function of the vessel or to the accomplishment of its mission.
  2. The worker has a connection to a vessel in navigation, or to an identifiable group of such vessels, that is substantial in both duration and nature.

The Court gave a rule of thumb: a worker who spends less than about 30 percent of his time in the service of a vessel in navigation should not qualify as a seaman. It called that figure no more than a guideline and said departures can be justified in appropriate cases. It also described the Jones Act and the longshore act as mutually exclusive compensation regimes, drawing a line between land-based and sea-based maritime workers.

For a dock builder with a crane barge and a skiff, a deckhand who works aboard the barge and a carpenter who steps onto it for a day may fall into different systems. Tell me who operates and rides your vessels, and how often. When I build the submission, I list crew separately from shore-side payroll and schedule the vessels apart from your land equipment.

If the longshore act applies, what you owe

The Act puts the duty on the employer: every employer shall secure the payment of compensation to its employees (33 U.S.C. 904(a)). The Department of Labor says you do that one of two ways: get longshore insurance from an authorized carrier, or get the Office of Workers' Compensation Programs' authorization to self-insure. DOL publishes the list of carriers and self-insured employers currently authorized to write the coverage, so a carrier's name can be checked against it.

DOL's employer page also lists the paperwork:

  • Post an up-to-date Form LS-241 (insured) or LS-242 (self-insured) wherever you do business.
  • File Form LS-202, the Employer's First Report of Injury, with OWCP within 10 days of learning of an injury that causes lost time of one or more shifts.
  • Authorize medical care with Form LS-1 when the injured worker requests it.
  • Promptly notify your carrier of all work-related injuries.

DOL warns that failing to secure longshore insurance may lead to criminal and civil liability. The Act adds two more consequences. Under 33 U.S.C. 905(a), if an employer fails to secure compensation, the injured employee may elect to claim compensation or to sue for damages, and the employer may not defend on a fellow servant's negligence, assumption of risk or the employee's contributory negligence. Under 904(a), if a subcontractor fails to secure compensation, the contractor becomes liable for and must secure it. That is why I ask subs for their certificates, and why contractors on waterfront jobs ask you for yours.

Over-water job sites: safety gear and permits

On dock, pier and seawall files I ask for your safety program and your permits. Two sets of rules come up again and again.

OSHA's working-over-water rule

29 CFR 1926.106 applies where employees work over or near water and the danger of drowning exists. It calls for U.S. Coast Guard-approved life jackets or buoyant work vests, inspected before and after each use for defects that would alter their strength or buoyancy; defective units may not be used. Ring buoys with at least 90 feet of line must be readily available for rescue, no more than 200 feet apart. At least one lifesaving skiff must be immediately available where employees work over or adjacent to water.

Permits for docks, piers and fill

  • Section 10 of the Rivers and Harbors Act of 1899: Army Corps of Engineers permits are required for structures or work in or affecting navigable waters of the United States, unless the activity is exempt or authorized by a general permit (33 CFR 320.2, 322.3).
  • Section 404 of the Clean Water Act: Corps permits are required for discharges of dredged or fill material into waters of the United States. Placing pilings needs one when it has or would have the effect of a fill discharge (33 CFR 323.3).
  • California: The Coastal Commission says development in the coastal zone generally may not start until a coastal development permit is issued, by the Commission or by a city or county with a certified Local Coastal Program. In the ports of Port Hueneme, Long Beach, Los Angeles and San Diego, the port governing bodies exercise similar permit authority. Outside California, coastal permit rules vary by state.

Permit conditions can bear on your pollution exposure and can be written into your contract, so send me the permit and the contract with your submission.

Questions

Marine contractor insurance, answered

Does my contractor liability policy cover dock work?

Often not. Many contractor policies exclude work over water or on vessels. Marine contractors liability is written for it.

What is USL&H?

The federal Longshore and Harbor Workers' Compensation Act covers certain workers injured on or near navigable water. State workers' comp may not respond, so it's reviewed for marine work.

Do boat detailers and mobile mechanics need this?

If you work on customers' boats at marinas, most marinas require liability naming them as additional insured, and a marine policy is usually the fit.

What do underwriters rate on?

Your operations, how much work is over water, revenue, payroll, equipment and claims history.

What is the difference between the Jones Act and USL&H?

The longshore act (USL&H) covers people in maritime employment, such as harbor workers and ship repairmen, injured on navigable waters or adjoining areas, and it excludes a vessel's master and crew (33 U.S.C. 902(3), 903(a)). Seamen can sue their employer with a jury trial under the Jones Act, 46 U.S.C. 30104. In Chandris v. Latsis (1995), the Supreme Court called the two mutually exclusive compensation regimes.

Do you offer marine contractor insurance outside California?

Yes. Clients across the country send the same quote form. Sam Alishahi is licensed in all 50 states and Washington, DC and places policies there directly. The shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.

Marine contractor insurance

Tell me about your work. I'll shop it.

Your operations, revenue and the marina's requirements are enough to start.

Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued. Some policies may be placed with nonadmitted (surplus lines) insurers, which are not members of the California Insurance Guarantee Association (CIGA).

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