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A deductible is an amount that you're responsible for in the event of a loss. This is the amount you pay out-of-pocket, and insurance covers the remainder.
A COI is a “Certificate of Insurance” providing evidence of liability insurance coverage and is often required to enter other business-owned facilities or premises, including providing to landlords or lessors. Clients can request a COI by contacting their agent directly or emailing: email@example.com
A Named Insured is listed on the policy as the “insured” vs an Additional Insured is listed only with respect to the Named Insured’s operations taking place on the Additional Insured’s premise or job site or as required by written agreement or contract. Not all policies allow “Additional Insureds” to be listed without prior approval. Check with your agent on any Additional Insured requests and requirements.
First, speak to your agent about your specific situation as there are several variables surrounding this exposure. Jones Act pertains to those who work at sea and are captains or crewmembers of a vessel Jones Act coverage uses an occupational-based test for coverage, related to the worker's relationship to a vessel. The worker's duties must contribute to the function of the vessel or to the accomplishment of its mission, and the worker must have an employment connection to a vessel in navigation, or an identifiable group of vessels under common ownership, that is substantial in both duration and nature.