M.E.L., simplistically, is coverage for an employer’s liability to its employees that would fall under Admiralty Law, roughly equivalent to Workers’ Compensation when someone is in service of a vessel. It can include the Merchant Marine Act of 1920 (a/k/a the Jones Act) as well as General Maritime Law remedies including Maintenance & Cure, Unseaworthiness and Death on the High Seas Act. For additional information CLICK HERE