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. Click below to schedule a consultation or receive a quote:

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. Click below to schedule a consultation or receive a quote:

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 Have more questions? Click below to schedule a consultation or receive a quote:

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. Have more questions? Click below to schedule a consultation or receive a quote:

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. Have specific questions? We are happy to assist you. Click below to schedule a consultation or receive a quote:

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. Have more questions? Click below to schedule a consultation or receive a quote:

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. Click below to schedule a consultation or receive a quote:

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. Have more questions? Click below to schedule a consultation or receive a quote:

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. Get a Free Quote / Enroll 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 Have more questions? Click below to schedule a consultation or receive a quote:

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. Have more questions? Click below to schedule a consultation or receive a quote:

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. Have more questions? Click below to schedule a consultation or receive a quote:

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. Have more questions? Click below to schedule a consultation or receive a quote:

Yes. We offer global Concessionaire Liability policies designed for businesses operating internationally, including onboard foreign-flagged cruise vessels and in overseas ports or marinas. Have more questions? Click below to schedule a consultation or receive a quote:

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. Have more questions? Click below to schedule a consultation or receive a quote:

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. Have more questions? Click below to schedule a consultation or receive a quote:

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. Have more questions? Click below to schedule a consultation or receive a quote:

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. Have more questions? Click below to schedule a consultation or receive a quote:

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. Click below to schedule a consultation or receive a quote:

EPLI typically covers the company, its directors and officers, managers, and employees. It may also extend to seasonal workers, part-time staff, and independent contractors depending on policy terms. Importantly, EPLI also covers claims made by former employees, job applicants, and in some cases, third parties who interact with your workforce (e.g., vendors or clients). At Rahn & Associates, we work with businesses in highly regulated sectors to design EPLI policies that align with their HR practices, regulatory obligations, and growth stage to mitigate employment-related liability risk exposures across your organization. Click below to schedule a consultation or receive a quote:

In an organization full of people, mistakes can and do happen. If a client believes you made a mistake or oversight, they could sue you for financial damages. E&O insurance is a kind of specialized liability protection against losses not covered by traditional liability insurance. It protects you and your business from claims, even if that claim proves to be groundless, in the event that a client accuses your business of making a mistake (an error) or failing to do something (an omission). At Rahn & Associates, we work with companies across regulated sectors to craft Professional Liability coverage that reflects your services, regulatory obligations, and contractual exposures. Our goal is to help you operate confidently, knowing your professional risk is well managed. ​ Click below to schedule a consultation or receive a quote:

Litigation is becoming a more frequent occurrence and Directors and Officers can be held liable for a variety of reasons, including:​ Failure to comply with regulations or laws Pollution and other regulatory claims Employment practices and HR issues Theft of intellectual property Lack of corporate governance Shareholder suits over company or stock performance Breach of fiduciary duty resulting in financial loss/bankruptcy Misrepresentation of company assets Misuse of company funds Fraud Our Directors and Officers (D&O) Liability Insurance protects your corporate directors and officers, as well as their spouses and estates, from being personally liable in the event your company is sued by investors, employees, vendors, competitors, customers, or other parties, for actual or alleged wrongful acts in managing the company. In the event of litigation, your D&O insurance will cover legal fees, fines, settlements, and other expensive costs. Many officers and directors require a company to provide D&O insurance. Click below to schedule a consultation or receive a quote:

Directors & Officers (D&O) Liability Insurance protects directors and officers, as well as their spouses and estates, from personal liability and financial loss related to claims of mismanagement, regulatory violations, or breach of fiduciary duty. This coverage is essential for leadership navigating complex compliance environments and high-stakes decision-making. This coverage is also necessary and often required if you want to attract and retain qualified directors. At Rahn & Associates, we understand the importance of protecting your leadership team, and we can help secure the right policy and coverage limits to ensure your organization and its leaders are fully covered. Click below to schedule a consultation or receive a quote:

EPLI protects employers against claims made by employees or job applicants alleging violations of their legal rights. This can include claims of wrongful termination, discrimination, harassment, retaliation, or other employment-related issues. Rahn & Associates is here to make sure your organization is adequately protected and to work with you to design a program tailored to your industry and location(s) where your organization operates. We provide custom EPLI as a stand-alone coverage or as part of your comprehensive insurance package Click below to schedule a consultation or receive a quote:

No. General Liability covers bodily injury and property damage, while Professional Liability focuses on financial losses resulting from errors, omissions, or failure to deliver professional services. Both are essential for full protection. At Rahn & Associates, we offer custom policies that cover both court costs and any settlements up to the amount specified by the insurance contract. ​ Click below to schedule a consultation or receive a quote:

Product Liability insurance protects your business against claims of injury or property damage caused by a product you manufacture, sell, distribute, or install. It covers legal defense costs, settlements, and judgments if your product is alleged to be defective, unsafe, or improperly labeled. This type of coverage is critical if your products end up in the hands of the consumer and especially for industries like Marijuana/THC/CBD and Psychedelic Medicine. Product Liability insurance typically covers: Injuries caused by defective or malfunctioning products Property damage resulting from product failure Design or manufacturing defects Inadequate labeling, instructions, or safety warnings Product contamination or recall-related incidents (if endorsed) At Rahn & Associates, we work with companies in high-risk and highly-regulated industries to provide tailored Product Liability coverage that aligns with their products, geographic markets, and compliance needs. From startup manufacturers to global distributors, we help mitigate product-related risks across your entire supply chain. Click below to schedule a consultation or receive a quote:

In this ever-evolving digital world, cyber fraud, phishing schemes and data breaches are on the rise. Companies of all sizes are often prime targets and a breach can be devastating without the right insurance and response plan in place. We offer Cyber Defense/Data Breach insurance that protect businesses from the financial impact of cyberattacks, data breaches, ransomware, and other digital threats. Policies may include: Incident response and forensics Ransomware/extortion payments Business interruption and revenue loss Legal defense and regulatory fines Data recovery and system restoration Notification and credit monitoring for impacted individuals Third-party liability if client data is compromised At Rahn & Associates, we work with companies of all sizes operating in high-risk and highly-regulated industries to assess digital risk, understand coverage gaps, and ensure your business is fully protected. Click below to schedule a consultation or receive a quote:

In regulated industries, claims related to hiring, training, or workplace conduct can escalate into legal action or regulatory investigations. EPLI helps protect your organization from claims related to: Sexual harassment Discrimination Wrongful termination Breach of employment contract Negligent evaluation Failure to employ or promote Wrongful discipline Deprivation of career opportunity Wrongful infliction of emotional distress Mismanagement of employee benefit plans Click below to schedule a consultation or receive a quote:

Professional Liability Insurance — also known as Errors & Omissions (E&O) — protects businesses against claims of negligence, misrepresentation, or failure to meet professional standards. A professional misstep or compliance failure can trigger lawsuits, fines, or regulatory action. Whether you're navigating compliance requirements, complex contracts, or advisory roles, this coverage helps protect your business, reputation, and client relationships. Rahn & Associates offers custom policies that cover both court costs and any settlements up to the amount specified by the insurance contract. E&O is critical and often required for professional advice-giving or service-providing businesses. Click below to schedule a consultation or receive a quote:

Any organization that collects, stores, or transmits sensitive data — such as customer information, health records, financial data, or intellectual property — should carry Cyber Defense/Data Breach insurance. It’s especially critical for companies in financial services (including private equity, venture capitalists and portfolio companies), pharmaceutical and other health/life sciences, Cannabis and Psychedelic Medicinal ventures and Cruise Ship/Commercial Maritime businesses — of all sizes. Cyber fraud is a very real and costly risk that is excluded from standard General Liability policies. At Rahn & Associates, we offer Cyber Defense/Data Breach insurance that is specifically designed to address your company's digital and data-driven risks. Click below to schedule a consultation or receive a quote:

Yes! We offer bespoke General Liability coverage that protects your business against third-party claims of bodily injury, property damage, and personal or advertising injury. This is a fundamental and necessary policy that helps cover legal fees, settlements, and medical expenses if your operations cause harm to others. Almost every business—regardless of size or industry—should carry General Liability coverage. It’s especially important for companies with physical locations, client interactions, vendor relationships, or on-site operations. Most General Liability policies cover: Bodily injury to non-employees (e.g., customers, visitors) Property damage to third parties Medical expenses for injured parties Legal defense costs Personal and advertising injury (e.g., defamation, copyright infringement) Click below to schedule a consultation or receive a quote: