Yacht insurance guide

Crew Insurance and Jones Act

Protecting Your Captain and Crew

Last updated: February 23, 2026

Crew Insurance\n\nCoverage for yacht owners employing crew.\n\n### Coverage Types\n- Crew medical insurance\n- Jones Act coverage\n- Maritime Employers Liability\n\n### Who Needs It\n- Paid captains\n- Paid crew\n- Charter operations\n\n### Coverage Limits\n- Captain only: $1,000,000\n- 2-4 crew: $2,000,000\n- 5+ crew: $5,000,000

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Commercial Coverage for Charter Operations

Return to our main Yacht Insurance Guide for a complete overview of coverage types, policy structures, and what to ask your broker.