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

Connect with experienced yacht insurance brokers who can help you understand your coverage options and find the right policy for your vessel.

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.