Superyacht Crew Insurance in Florida: Jones Act, MLC 2006 & Dual Compliance

Superyacht crew coverage in Florida depends on flag state and crew nationality. US-flagged yachts fall under the Jones Act with uncapped federal damages. Foreign-flagged yachts (Cayman, Malta, RMI) fall under MLC 2006 with wage guarantee, repatriation, and medical requirements. Foreign-flag yachts chartering in US waters face dual exposure — the highest-value coverage gap in superyacht crew, with a $5.5M+ liability exposure that only becomes visible after a claim.