What is the primary purpose of maritime coverage endorsement?

The primary purpose of a maritime coverage endorsement is to protect against injuries at sea. This endorsement is especially relevant for policies that provide coverage for maritime risks, including personal injuries to crew members or passengers, as well as protection against liabilities that may arise from maritime operations. It addresses the unique risks associated with the marine environment, where standard liability policies may not provide adequate coverage.

While goods in transit, on-shore accidents, and pollution issues are important considerations in certain types of insurance, they are not the primary focus of maritime coverage endorsements. Instead, this endorsement is tailored specifically to address the complexities and potential liabilities that arise when individuals or property are involved in maritime activities, ensuring that those engaged in such endeavors are sufficiently protected.