Question 1

What Maritime-Specific MLC 2006 Compliant Coverages Do You Offer?

Accepted Answer

Rahn & Associates offers the following MLC Compliant insurances coverages specifically for the Cruise Ship and Commercial Maritime Industries: 
Concessionaire Liability Insurance
Crew Benefits: Including medical, illness, accident and other personal liability coverages
Maritime Employer’s Liability (MEL)
Marine Commercial General Liability Insurance (Marine CGL)
Cargo/Transit/Inventory Coverage

We have provided specific information about each in our FAQs section. 
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Question 2

Do You Offer Concessionaire Liability Insurance?

Accepted Answer

Yes! Rahn & Associates provides essential coverages for non-shipowners conducting business, providing staff and/or goods, and performing services on multiple ships, yachts and in shipyards outside the U.S. We offer company-owned policies that ensure you are in compliance with contractual and seafarer’s MLC 2006 obligations.

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Question 3

What Does Concessionaire Liability Insurance Cover?

Accepted Answer

Concessionaire Liability policies can include:
Third-party bodily injury and property damage
Legal defense costs
Product liability for goods sold onboard or within the facility
Premises liability related to your designated space

Rahn & Associates' offers customized marine insurance packages, which include MLC 2006 Compliant Maritime Employer’s Liability and Marine Commercial General Liability coverages, designed specifically to protect a concessionaire company's equipment, inventory, staff and onboard operations.

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Question 4

Is Concessionaire Liability Insurance Required?

Accepted Answer

In most cases, yes. Cruise lines, port authorities, and shipyard operators typically require proof of liability insurance before granting access or awarding contracts. Therefore, this coverage is essential for businesses providing services or selling goods in leased or contracted maritime spaces. Common concessionaires include retail operators, wellness providers, entertainment companies, food and beverage vendors, and cleaning or maintenance crews aboard cruise ships or within port facilities.

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Question 5

Does Concessionaires Liability Coverage Extend Internationally?

Accepted Answer

Yes. We offer global Concessionaire Liability policies designed for businesses operating internationally, including onboard foreign-flagged cruise vessels and in overseas ports or marinas.

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Question 6

Do You Offer Medical/Personal Liability Insurance for Crew & Independent Contractors?

Accepted Answer

Yes! Rahn & Associates offers comprehensive medical and personal liability coverage for Cruise Ship and Yacht Crews, Independent Contractors, Installers, Technicians, Concessionaires, Production, and Entertainers. We partner with Atlas Worldwide to covers individuals or small groups for short-term or multiple trips from to 5 to 364 days. Coverage includes:
Medical benefits for unexpected injuries and illnesses, benefits for emergency medical evacuation, terrorism, political evacuation, recreational sports and activities.
Plan benefits offer travel assistance services, including lost checked luggage coverage, passport and document support .
Working on the ship? Optional personal liability coverage up to $100,000 is highly recommended.

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Question 7

What Insurance is Required for Independent Contractors Working on a Cruise Ship?

Accepted Answer

Independent contractors need just as much protection as full-time cruise employees, which is why Ran & Associates partners with WorldTrips to offer an insurance program designed specifically for individuals and independent contractors performing one or multiple short term, international trips.  
 
Our International Travel Insurance Programs provide individuals and groups with personal liability and medical insurance, required for the following ships' crew:

Food & Beverage Staff
Spa/Fitness Trainers/Directors
Entertainment Staff - DJ's, Dancers
Retail Staff/Trunk Show Exhibitors
Production Staff - Videographers, Wedding Planners
Outside Venders/Technicians
Deck-Life Guards
Casino Staff
Medical Staff
Security
Port Lecturers
Art Auctioneers
Cruise Staff/Youth Staff
Marketing /Sales Staff Technicians

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Question 8

Do You Offer "Short-Term" Insurance for Independent Contractors Onboard Cruise Ships?

Accepted Answer

Yes. From single trips to multiple trips per year, we have a medical benefits and personal liability plan to meet the needs of independent contractors working onboard cruise ships. See below for coverage options:

Atlas Travel®: Designed for independent cruise ship contractors traveling outside their home country for trips between 5 and 364 days.  In addition to medical benefits for unexpected injuries and illnesses, this insurance offers benefits for emergency medical evacuation, terrorism, political evacuation, recreational sports and activities, and more. It also features various travel assistance services, including lost passport and document support and lost checked luggage coverage. Optional personal liability coverage up to $100,000 is also available.
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Atlas Group®:  Travel health insurance offered to groups of 5 or more individuals who are traveling abroad for up to 364 days. This plan provides the same benefits and services of the Atlas Travel plan at a 10% reduced group rate and provides coverage for unexpected medical expenses, emergency medical evacuation, repatriation of remains, and more. 
Get a Free Quote / Enroll

Atlas MultiTrip™ Insurance: Annual travel health insurance for independent cruise ship contractors who plan to work multiple international trips throughout the year. By making one payment, you'll receive international health coverage for multiple trips of up to 30 or 45 days each, as elected by the insured. It also provides optional personal liability coverage up to $100,000.
Get a Free Quote / Enroll

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Question 9

What is Maritime Employers Liability (MEL) Insurance? Who and What Does it Cover?

Accepted Answer

Maritime Employers Liability insurance (MEL) provides protection for businesses operating on or near the water against claims of bodily injury, property damage, and legal liability. MEL covers injury, illness, or death of employees working in international or offshore maritime environments—especially when traditional Workers’ Compensation or the Jones Act doesn’t apply.

MEL insurance is essential for shipowners, offshore contractors, marine service providers, and concessionaires working in shipyards, ports, or onboard vessels. It is especially important for companies employing crew members on vessels they don’t own or those working in foreign waters.

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Question 10

Why Do I Need MEL Insurance?

Accepted Answer

Standard Workers’ Compensation policies often exclude crew members covered under maritime law, such as the Jones Act—leaving a potential coverage gap for shipowners and operators. This coverage is designed to protect employers whose employees work on or from vessels which they do not own.

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Question 11

Is MEL the Same as Workers’ Compensation?

Accepted Answer

No. MEL is not a substitute for Workers’ Compensation but rather a complement to it. It provides coverage where Workers’ Comp may not apply—such as for crew working outside the U.S. or in international waters.

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Question 12

Do You Offer Workers' Compensation & USL&H Coverage?

Accepted Answer

Yes!  We offer essential protection for maritime businesses employing crew members, shoreside workers, dockworkers, and other personnel engaged in maritime-related activities. Workers’ Compensation Insurance with U.S. Longshore and Harbor Workers' Compensation Act (USL&H) coverage is required for employees working on or near navigable U.S. waters and our coverage ensures your company is fully compliant with both state Workers’ Compensation laws and federal USL&H laws.

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Question 13

Do You Offer Cargo / Inventory Logistics Insurance? What Does It Cover?

Accepted Answer

Yes!  If you’re moving goods across land, sea, or international borders, Rahn & Associates will protect your goods on land or at sea and across complex global supply chains. Our Cargo and Inventory Coverage policies cover cargo damage, theft or losses that occur on cargo vessels, cruise ships, terminals, or in the transport of goods between points of origin and their final destination.

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Question 14

How is Commercial General Liability (Marine CGL) different from standard General Liability insurance?

Accepted Answer

Marine CGL is tailored specifically for maritime operations and covers risks unique to marine environments, such as dockside operations, shipboard activities, and maritime-specific contract requirements. Standard general liability policies often exclude these exposures.

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Question 15

What Does Marine Commercial General Liability (CGL) Insurance Cover?

Accepted Answer

Rahn & Associates offers Marine Commercial General Liability (Marine CGL) - a broad liability protection specifically tailored to marine-related operations and exposures. Provides critical protection for cruise lines and commercial maritime operators against claims arising from professional services, advice, or negligence, including incidents like groundings, collisions, passenger handling or service issues, and errors in maintenance oversight or safety protocols.

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Question 16

What Policy Limits Should I Carry for MEL and/or Marine CGL Coverage?

Accepted Answer

Coverage limits depend on the scope of your operations, contract requirements, and risk exposure. Many shipyards and ports require at least $1–2 million in Marine CGL coverage. Rahn & Associates works closely with clients to evaluate exposures and recommend appropriate limits.

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Question 17

Does Your Global Insurance for Maritime Contractors Protect Companies of Any Size?

Accepted Answer

Yes! From small businesses working on multiple ships, yachts and shipyards outside the U.S. to medium and large-companies working onboard commercial and cruise ships or yachts, we have a program to meet your needs.

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Question 18

Do You Offer Business & Management Liability Coverages for the Maritime Sector?

Accepted Answer

Yes! Maritime companies need protection against legal, executive, and digital exposures. Our coverages include Directors & Officers (D&O) Liability Insurance, Professional Liability/E&O, cyberattacks, General Liability (Property & Casualty), Product Liability and Cyber Defense Insurance.

View our Business & Management Liability FAQs for more detailed information about each coverage. 
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