Jones Act Coverage Houston

Your Houston maritime business deserves protection from a partner who understands local maritime risks and regulations.
• Deep understanding of Houston's port operations and maritime industry
• Expert knowledge of Jones Act and Texas-specific maritime laws
• Customized coverage for Gulf Coast weather-related risks and offshore operations
We go beyond basic Jones Act coverage with premium risk management services. Our enhanced coverage options include 24/7 emergency response, specialized legal counsel, and customized crew training programs. This proactive approach helps prevent claims while ensuring complete protection for your maritime operations.
• Shipping Companies: Operators of cargo vessels, tankers, and container ships require comprehensive coverage for crew injuries and vessel damages in Houston's busy port.
• Offshore Oil & Gas Operations: Drilling companies, supply vessel operators, and offshore platform crews need robust protection against maritime accidents and injuries.
• Commercial Fishing Fleets: Gulf Coast fishing operations require specialized coverage for crew injuries, vessel damage, and catch loss.
• Tug and Barge Operators: Companies navigating Houston's complex waterways need protection against collisions, groundings, and crew injuries.

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

Jones Act Coverage in Houston typically costs between $5,000 to $50,000 annually, depending on various factors:
Higher coverage limits increase costs, while higher deductibles can lower premiums but increase out-of-pocket expenses in case of a claim.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
Jones Act coverage is maritime workers' compensation insurance specifically for seamen in Houston's bustling port. It's crucial because Houston, home to one of the world's largest ports, has a significant maritime industry. This coverage protects workers on vessels, offshore rigs, and other maritime operations, providing compensation for injuries, lost wages, and medical expenses. It's particularly important due to the high-risk nature of maritime work in the Gulf Coast region.
In Houston, Jones Act coverage applies to 'seamen' - individuals who spend at least 30% of their work time contributing to the function of a vessel in navigation. This includes crew members on ships, offshore oil rig workers, and some dock workers. The definition can be complex, so it's essential to consult with a Houston-based maritime lawyer. Houston's diverse maritime sector, from container ships to oil tankers, means a wide range of workers may qualify.
Jones Act coverage in Houston offers more comprehensive benefits than standard workers' compensation. It allows injured seamen to sue their employer for negligence, potentially resulting in higher compensation. Unlike workers' comp, it covers pain and suffering and loss of future earning capacity. In Houston's maritime industry, where hazards are numerous, this additional protection is crucial. It also accounts for the unique risks associated with Gulf Coast operations, such as tropical storms and oil spill hazards.
The Jones Act in Houston covers a wide range of injuries common in maritime work. This includes slip and fall accidents on deck, injuries from heavy machinery, exposure to hazardous materials (particularly relevant in Houston's petrochemical industry), and injuries sustained during severe weather conditions like hurricanes. It also covers long-term occupational diseases such as hearing loss or respiratory issues from prolonged exposure to industrial environments common in Houston's port and offshore operations.
Houston-based maritime employers typically obtain Jones Act coverage through specialized marine insurance providers or P&I (Protection and Indemnity) clubs. Given Houston's significant maritime industry, many local insurance brokers specialize in this coverage. Employers should seek policies that specifically address Gulf Coast risks, such as hurricane damage or oil spill liabilities. The cost varies based on factors like vessel type, crew size, and operational area within the Gulf. It's crucial to work with providers familiar with Houston's unique maritime landscape.
If injured, a Houston seaman should immediately report the incident to their supervisor and seek medical attention. They should document the accident thoroughly, including photos and witness statements. It's crucial to consult with a Houston-based maritime attorney experienced in Jones Act cases. Given the complexity of maritime law and the high stakes in the Houston shipping industry, legal guidance is essential. The claim should be filed promptly, as Texas has specific time limitations for maritime injury claims.
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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.
Join the hundreds of businesses who trust us with their most critical insurance needs.