Jones Act Coverage Austin

Your Austin maritime business deserves protection from a partner who understands local waterway risks and regulations.
• Deep understanding of Austin's unique inland waterway operations
• Expert knowledge of Texas-specific maritime laws and regulations
• Customized coverage for Lake Travis and Colorado River-related risks
We go beyond basic Jones Act coverage with premium risk management services. Our enhanced coverage options include quarterly safety assessments and specialized endorsements customized for Austin's unique inland waterway operations. This proactive approach helps prevent claims while ensuring complete protection for your maritime business.
• Tour Boat Operators: Companies offering sightseeing tours on Lake Travis require comprehensive Jones Act protection against passenger injury claims and operational liabilities.
• Fishing Charter Services: Fishing guides and charter businesses on Austin-area lakes need robust coverage for crew and client safety, as well as equipment protection.
• Cargo Transport Services: Businesses moving goods along the Colorado River must safeguard against cargo damage claims and worker injuries.
• Marina Operators: Facilities providing docking and maintenance services on Austin's waterways require protection against premises liability and worker injury claims.

Let our local experts analyze your current coverage and identify potential gaps or savings for your business.
Comprehensive protection for Austin's maritime businesses, addressing local waterway risks and regulatory requirements.

Jones Act insurance costs vary widely in Austin, with average annual premiums ranging from $5,000 to $50,000 depending on several factors:
Businesses operating in more challenging areas of the Colorado River may face higher rates compared to those in calmer Lake Travis zones.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
Jones Act coverage in Austin, Texas, is a specialized form of maritime insurance that protects seamen working on vessels in navigable waters. It's crucial for businesses operating on Lake Travis, Lady Bird Lake, or the Colorado River. This coverage provides compensation for injuries, medical care, and lost wages if a seaman is injured due to negligence or unseaworthiness of the vessel, which is particularly important given Austin's growing water-based tourism and recreation industry.
In Austin, individuals who spend at least 30% of their work time on vessels in navigable waters typically qualify for Jones Act coverage. This includes crew members on tour boats, fishing charters, and water taxis operating on Lake Travis or Lady Bird Lake. Even workers on barges or tugboats traversing the Colorado River may be eligible. The key is that they contribute to the vessel's function or mission, which could include roles like captains, deckhands, or onboard service staff in Austin's bustling water recreation sector.
Jones Act coverage in Austin offers more comprehensive protection than standard workers' compensation. It allows seamen to sue their employers for negligence, potentially resulting in higher compensation. Unlike workers' comp, it covers pain and suffering and loss of future earning capacity. In Austin's unique water-based work environment, from Lake Travis to smaller waterways, this coverage is crucial as it addresses the specific risks associated with maritime work, including those related to Austin's frequent water-based events and festivals.
For Austin-based maritime businesses, Jones Act coverage addresses risks such as injuries from boat collisions on crowded Lake Travis, slips and falls on wet decks during Lady Bird Lake cruises, and equipment malfunctions on tour boats. It also covers unique Austin scenarios like injuries during special water-based events like the Austin Aqua Festival or SXSW water activities. The coverage is particularly important given Austin's variable water levels and weather conditions, which can create additional hazards for maritime workers.
The cost of Jones Act coverage for Austin businesses varies widely depending on factors such as the size of the vessel, number of employees, and type of operations. For small tour boat operators on Lady Bird Lake, premiums might start around $5,000 annually. Larger operations on Lake Travis could see premiums of $20,000 or more. Austin's unique mix of recreational and commercial maritime activities, coupled with its inland location, can affect pricing. It's best to consult with a local maritime insurance specialist familiar with Austin's waterways for accurate quotes.
Austin employers should start by clearly defining job roles that fall under Jones Act coverage, particularly for businesses operating on Lake Travis and Lady Bird Lake. They must maintain vessels to meet seaworthiness standards, crucial in Austin's varying water conditions. Regular safety training specific to Austin's waterways is essential. Employers should keep detailed records of employee sea time and duties. It's advisable to consult with a maritime law attorney familiar with Austin's unique inland maritime environment to ensure full compliance with Jones Act regulations.
Start Your Coverage Today
Request a Free Quote
For over a decade, TWFG Khan Insurance Services has been the trusted partner for businesses across Texas and neighboring states. We specialize in complex insurance solutions for maritime, oil & gas, and construction industries where standard coverage isn't enough.
Don't let gaps in coverage put your business at risk. Our team of specialists will work with you to create a comprehensive protection plan that keeps your business secure and compliant.
Join the hundreds of businesses who trust us with their most critical insurance needs.