The Jones Act exists to protect crew members against injury or disability caused by negligence. This specialized type of insurance is a necessity for many businesses that involve Merchant Marine crew members working on or from vessels. When you have this insurance coverage, you protect your business from the costs that you could face if you are found liable for a crew member's injury or disability. You ensure that captains and crew members are protected too so they can feel safer while carrying out their work. Coverage is typically endorsed on your Protection and Indemnity Policy.