Do You Need Jones Act Coverage? A Quick Guide for Maritime Employers

Understanding the Jones Act

The Jones Act (Merchant Marine Act of 1920) protects seamen—workers who spend at least 30% of their time on a vessel in navigation—by allowing them to sue employers for negligence if injured on the job. Unlike standard workers' compensation, Jones Act claims require proving employer fault or unseaworthy vessel conditions.

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Jones Act vs. USL&H: What’s the Difference?

Both the Jones Act and USL&H (United States Longshore & Harbor Workers' Compensation Act) provide maritime worker protections, but they apply to different employees:

• Jones Act: Covers seamen (e.g., captains, deckhands, engineers) who actively contribute to a vessel’s mission.
• USL&H: Covers land-based maritime workers (e.g., dockworkers, shipbuilders) who are not considered seamen.

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Who Needs Jones Act Coverage

If your business employs seamen, you may be liable under the Jones Act. Common vessel types include:

• Fishing boats
• Tugboats
• Barges
• Offshore rigs (if floating, not fixed platforms).

📌 Fixed offshore platforms are not covered under the Jones Act—workers there fall under the Outer Continental Shelf Lands Act (OCSLA).

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Key Employer Responsibilities Under the Jones Act

• Maintain a seaworthy vessel—safe conditions, proper equipment, and adequate training.
• Provide Maintenance & Cure—covering living expenses and medical care for injured seamen.
• Ensure proper insurance coverage to mitigate costly negligence claims.

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FAQ: Jones Act Coverage

Who qualifies as a seaman?
A worker who spends at least 30% of their time aboard a vessel in navigation and contributes to its mission.

Can an employee file both a Jones Act and USL&H claim?
No, a worker qualifies for one or the other, not both. Seamen fall under the Jones Act, while land-based maritime workers are covered by USL&H.

What happens if I don’t carry Jones Act coverage?
You could face lawsuits, financial penalties, and liability for negligence claims. Proper coverage protects your business.

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Next Steps

Ensuring compliance with the Jones Act is not only a legal requirement but also a critical aspect of protecting your employees and business interests.
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Contact The Granberry Agency Today to Review Your Jones Act Coverage.

• Call Us: 601-755-2468
• Address: PO BOX 345, Sumrall, MS 39482
• Email: [email protected]
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