Like any other industry, working on a vessel comes with certain risks. Even when you take certain safety precautions, you could suffer a work-related injury. You could end up spending days, weeks or longer recovering, depending on the severity and nature of those injuries.
Since you don't qualify for workers' compensation benefits, you must rely on either the Jones Act or the Longshore and Harbor Workers' Compensation Act. Determining which act applies to your situation means determining whether the law would consider you a seaman.