Which endorsement would you choose if you need coverage for seamen with rights to sue their employer for maritime injuries?

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

Answer: (A)

Seamen who have the right to sue their employer for maritime injuries are covered by the Jones Act, which provides a negligence-based remedy against the employer. The Jones Act endorsement is specifically designed to respond to those claims, giving coverage tailored to maritime crew and their right to sue, rather than relying only on a traditional workers’ comp remedy. The Longshore and Harbor Workers' Compensation Act Endorsement, while also maritime-related, covers longshoremen and harbor workers—not seamen who operate on ships. The Federal Employers Liability Act covers railroad workers, not maritime employees. A Voluntary Compensation and Employers Liability endorsement is a general option that does not address the seaman-specific right to sue under the Jones Act. So the Jones Act endorsement fits best.