State workers' compensation or Longshore terms may provide qualifying employee benefits, but vessel-crew remedies require separate review. Identify each worker's duties, location, employer, and vessel relationship under applicable law. A standard state policy or generic maritime endorsement should not be assumed to address every regime, and water location alone does not determine status.

GL pollution exclusions may limit a response; separate environmental terms may address covered cleanup or third-party claims from included fuel or sediment releases. Check accepted dock and pile-driving operations, contaminants, and reporting. A pollution policy does not automatically pay every permit violation, penalty, or cleanup demand.

Hull or equipment terms may address covered physical damage to insured craft or gear if sinking and the actual use are included. Compare owned or chartered vessels, machinery and tools with hull, equipment and liability schedules, operating waters, salvage terms, and deductibles. Inland marine alone does not establish barge or afloat coverage, and recovery or removal costs need their own terms.

Completed-operations terms may address covered resulting injury or other-property damage, such as a guest injured by a failed piling. Review accepted work, design responsibilities, and prior policies. Correcting the defective dock itself or meeting a load or performance warranty is not automatically a covered liability loss.

Builders risk coverage may respond to covered damage to an in-progress dock and staged materials from storms or currents, subject to policy terms and perils insured.

Provide structure types, project/water conditions, residential/commercial mix, pile-driving methods, fleet/vessel values, crew duties/payroll, permits, and prior losses, including borrowed or chartered equipment.