Jones Act Coverage Florida

Protect your maritime workforce with tailored Jones Act insurance designed for Florida's unique coastal and offshore industries.
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Custom-tailored policies for Florida specific risks

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Why Us?

Why Choose TWFG Commercial in Florida?

Your Florida maritime business deserves protection from experts who understand local waterways and regulations.

• Deep understanding of Florida's maritime industry and coastal risks
• Expert knowledge of state and federal maritime laws
• Customized coverage for Florida's diverse marine operations

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Local Expertise
Serving Florida's maritime businesses since 2001, our local insurance experts understand the intricacies of the Jones Act as it applies to Florida's coastal and offshore operations. We deliver tailored insurance solutions that fully comply with state and federal regulations while addressing the unique risks faced by Florida's maritime workforce.
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Industry Expertise
Our licensed maritime insurance professionals specialize in Jones Act coverage for various sectors including fishing, shipping, offshore oil and gas, and marine construction. We maintain up-to-date certifications and continuously track emerging risks in Florida's maritime industry to ensure comprehensive protection against sector-specific claims.
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Beyond Basic Coverage

We go beyond basic Jones Act coverage with premium risk management services. Our enhanced coverage options include quarterly safety assessments and specialized endorsements for Florida's unique maritime operations. This proactive approach helps prevent claims while ensuring complete protection for your crew and vessels.

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Who needs Jones Act Coverage in Florida?

• Commercial Fishing Operations: Florida's thriving fishing industry requires robust coverage for crew injuries and vessel incidents in the Gulf and Atlantic waters.
• Offshore Oil and Gas Companies: Operations in the Gulf of Mexico need comprehensive protection for platform workers and support vessel crews.
• Shipyards and Marine Construction: Florida's extensive coastline hosts numerous shipyards and marine construction projects requiring Jones Act coverage for workers.
• Cruise Lines and Ferry Services: Florida's bustling cruise industry and inter-island ferry services must protect their crews under the Jones Act.

Florida's extensive coastline and maritime economy create a unique landscape for Jones Act coverage. Our specialized insurance protects against the heightened risks associated with maritime employment in the Sunshine State. For instance, commercial fishing operations in the Florida Keys face different challenges than those in the Panhandle, while offshore oil and gas operations in the Gulf of Mexico contend with hurricane risks and complex federal regulations. Florida's shipyards, stretching from Jacksonville to Tampa, must navigate both state and federal labor laws. Securing comprehensive Jones Act coverage isn't just a legal requirement—it's essential for protecting your Florida maritime business and workforce. Contact our Florida office today for customized maritime insurance solutions.
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Get Personalised Advice from Florida Insurance Experts

Let our local experts analyze your current coverage and identify potential gaps or savings for your business.

Jones Act Coverage Coverage Details

Comprehensive protection for Florida's maritime workforce, addressing regional risks and regulatory requirements.

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Comprehensive Jones Act Coverage Explained

Our Florida Jones Act coverage safeguards your maritime business against crew-related claims and injuries. Essential protection includes:
• Medical Care Coverage: Full coverage for crew injuries, including long-term care and rehabilitation
• Lost Wages Protection: Compensation for crew members unable to work due to on-the-job injuries
Legal Defense: Coverage for attorney fees, court costs, and settlements related to Jones Act claims

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Industry-Specific Risks in Florida Waters

Florida's maritime industry faces unique risks requiring specialized coverage:
• Tropical Storm and Hurricane Risks: Protection against weather-related incidents and evacuations
• Offshore Hazards: Coverage for deep-water operations in the Gulf of Mexico
• Coastal Navigation Challenges: Protection for incidents in Florida's complex coastal waterways and ports
• Marine Wildlife Encounters: Coverage for incidents involving protected species in Florida waters

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Florida Maritime Insurance Requirements

While the Jones Act is federal law, Florida has specific requirements:
• Minimum Coverage Levels: Florida often requires higher coverage limits than federal minimums
• State Reporting Requirements: Compliance with Florida's maritime incident reporting regulations
• Local Port Authority Compliance: Meeting insurance requirements for Florida's major ports
• Florida Fish and Wildlife Conservation Commission Regulations: Adherence to state-specific marine operation rules

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Enhanced Coverage Options for Florida Maritime Employers

Enhance your maritime protection with these critical coverage options:
• Punitive Damages Coverage: Protection against exemplary damages in Jones Act cases
• Repatriation Coverage: Ensures crew return in case of vessel abandonment or bankruptcy
• Maritime Employer's Liability: Covers shore-based employees performing maritime work
• Pollution Liability: Essential for operations in Florida's environmentally sensitive waters

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Considerations for Local Businesses in Florida

Florida's maritime industry is regulated by both state and federal laws, with the Florida Department of Business and Professional Regulation overseeing many aspects. In 2022, Florida ports handled over 110 million tons of cargo, emphasizing the state's maritime importance. Jones Act claims in Florida increased by 15% since 2020, with an average settlement of $185,000. The state's maritime sector contributes over $23 billion annually to the economy, employing more than 350,000 Floridians. Hurricane risks remain a primary concern, with the 2022 season causing $1.2 billion in maritime-related damages. The expansion of Florida's cruise industry has led to a 22% increase in related maritime employment since 2019, necessitating broader Jones Act coverage.
Expertise

How much does Jones Act Coverage cost in Florida?

Jones Act Coverage in Florida typically costs between $5,000 to $50,000 annually, depending on various factors:

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1
Type of Maritime Operation
Offshore oil operations in the Gulf may face higher premiums compared to coastal fishing businesses due to increased risks and federal regulations.
2
Number of Employees
Larger crews, especially those on cruise ships or large commercial vessels, typically result in higher insurance costs due to increased liability exposure.
3
Claims History
A history of Jones Act claims can significantly increase premiums. Florida businesses with strong safety records often enjoy lower rates.
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Vessel Type and Age
Older vessels or those operating in high-risk areas like the Florida Straits may incur higher premiums due to increased accident potential.
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Coverage Limits

Higher coverage limits, often necessary for large Florida maritime operations, will increase overall insurance costs but provide greater protection.

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Frequently Asked Questions

Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.

What is Jones Act coverage in Florida?
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Jones Act coverage in Florida is a specialized form of maritime law protection for seamen working on vessels in navigable waters. It provides compensation for injuries sustained during employment. In Florida, with its extensive coastline and bustling ports like Miami and Jacksonville, this coverage is crucial for maritime workers. It covers medical expenses, lost wages, and other damages resulting from employer negligence or vessel unseaworthiness.

Who qualifies for Jones Act coverage in Florida?
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In Florida, Jones Act coverage applies to individuals who spend at least 30% of their work time contributing to the function of a vessel in navigation. This includes crew members, captains, and other maritime workers on various vessels like cruise ships, fishing boats, and cargo ships. Florida's diverse maritime industry, from the Keys to the Panhandle, employs thousands who potentially qualify. The worker must also have a substantial connection to a specific vessel or fleet.

How does Jones Act coverage differ from workers' compensation in Florida?
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Unlike Florida's workers' compensation, Jones Act coverage allows injured seamen to sue their employers for negligence. It provides more comprehensive benefits, including pain and suffering damages not available under workers' comp. In Florida's maritime sector, from Port Everglades to Port Canaveral, this distinction is crucial. Jones Act claims often result in higher compensation but require proving employer fault, unlike the no-fault system of workers' compensation.

What types of injuries are covered under the Jones Act in Florida?
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The Jones Act in Florida covers a wide range of injuries occurring on or related to vessel operations. This includes slip and falls, equipment malfunctions, exposure to toxic substances, and injuries from inadequate training or supervision. Given Florida's maritime risks, from tropical storms to busy shipping lanes, coverage extends to injuries from severe weather events and collisions. Long-term occupational diseases like hearing loss or respiratory issues from prolonged exposure are also covered.

How long do I have to file a Jones Act claim in Florida?
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In Florida, the statute of limitations for filing a Jones Act claim is generally three years from the date of the injury. However, for cases involving unseaworthiness, the limit may be two years. It's crucial to act promptly, as Florida's courts strictly enforce these deadlines. Given the complexity of maritime law and the state's busy judicial system, especially in maritime hubs like Tampa or Fort Lauderdale, it's advisable to consult with a specialized maritime attorney as soon as possible after an injury.

How does Florida's maritime industry impact Jones Act coverage?
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Florida's extensive maritime industry significantly influences Jones Act coverage. With major ports like PortMiami and Port Tampa Bay, and a thriving cruise industry, there's a high demand for comprehensive coverage. The state's unique geography, including the Intracoastal Waterway and Gulf Coast, presents diverse risks. Florida-specific factors like hurricane seasons and busy international shipping routes are considered in coverage terms and claim assessments. Local maritime attorneys often specialize in navigating these Florida-specific aspects of Jones Act cases.

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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.



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