Have the employer, duties, work locations, and vessel connections reviewed by qualified advisers. Longshore benefits and Jones Act seaman claims concern different worker categories; state coverage and statutory exclusions, including recreational-vessel rules, also matter. A state policy, waterfront address or generic maritime endorsement does not settle status or every obligation.

Declare actual solvents, coatings, fuels, blasting residue, and disposal duties, with land and water release paths and site history. Check conditions, cleanup and third-party terms, prior conditions, consent and reporting. A waterfront project or cleanup order does not assure every response, permit cost or fine is insured.

Identify whose vessel it is and whether it is on the ways, in dock, afloat, under repair, launching or on trial. Review marine-construction, hull, and custody wording, values, causes, and acceptance boundaries with the insurer. The names property and general liability do not establish protection for every stage.

List each structure and machine, owner, value, use, and cause of failure. Compare property causes with internal equipment failure and purchased income terms, waiting and restoration periods. Damage to a vessel during a lift, a dock structure and the failed crane itself can require different provisions.

Yes. Keep design, supplier, testing, launch and acceptance records and identify when injury, damage or loss of use is alleged. Review delivered-vessel and services terms, own-product, own-work, impaired-property, and watercraft restrictions. Repairing your ship, meeting a performance warranty and withdrawing other vessels are separate costs.

Consider credible worker, visitor, launch, collision, and pollution scenarios and the buyer’s requests. Check which underlying maritime employer, vessel and yard liabilities the excess actually follows, its attachment and exclusions. Higher limits do not replace omitted marine, worker, hull or pollution terms.