For a dredging project on Lake Michigan, what is required as an insurance rider?

For a dredging project, especially in a location like Lake Michigan, there are specific risks associated with maritime work that differ from typical construction activities. Marine Workers Compensation coverage is crucial because it caters to employees working on navigable waters. This type of insurance addresses the unique legal requirements and risks involved in maritime labor, including injuries sustained while working on boats or near water.

In this context, Marine Workers Compensation provides protection for the crew and laborers involved directly in the dredging activities, which is particularly relevant given the conditions at sea and the nature of the work involved. This type of coverage ensures that workers’ medical expenses and lost wages related to work injuries are handled according to maritime law.

Other options, while important in their respective contexts, do not specifically address the unique requirements of a dredging operation. General Liability pertains to general risks associated with business operations but does not cover maritime workers specifically. Standard Workers Compensation typically applies to land-based employment and may not cover the specialized conditions of marine work. Builder's Risk insurance focuses on property coverage during construction projects but does not encompass worker-related injuries on the water. Therefore, Marine Workers Compensation is the necessary insurance rider for this specific type of dredging project.