Which endorsement to the WC&EL policy provides coverage for injured crew members of a vessel?

• A. United States Longshore and Harbor Workers' Compensation Act endorsement
• B. Federal Employers Liability Act Coverage endorsement
• C. Voluntary Compensation and Employers Liability endorsement
• D. Jones Act endorsement

Answer: (D)

The key idea is that injuries to crew members on a vessel are governed by federal maritime law, specifically the Jones Act. The Jones Act endorsement on a WC&EL policy is designed to extend coverage for seamen (the vessel’s crew) to handle claims under that act, recognizing the unique maritime remedies and standards that apply to injuries at sea. The other endorsements cover different groups or situations: the Longshore and Harbor Workers’ Comp Act endorsement applies to non-seamen maritime workers like longshoremen, the FELA coverage endorsement is for railroad workers, and the voluntary compensation endorsement adds optional coverage but isn’t specifically for seamen. So, the endorsement that provides coverage for injured crew members of a vessel is the Jones Act endorsement.