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USL&H Workers Compensation Insurance

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What is USL&H Workers Compensation Insurance?

The United States Longshore and Harbor Workers’ Compensation Act (USL&HWCA) was enacted by legislation passed in 1927. It is a federal law that provides workers compensation benefits to employees who are injured or die at work in maritime employment on or near United States’ navigable waters. Work areas include facilities such as piers, docks, wharfs, freight warehouses and terminals, and drydock areas used to load and unload, or build, repair, or dismantle ships or vessels.

Who is covered by USL&H Workers Compensation Insurance?

USL&HWCA covers employees that state and maritime laws exclude. Ship builders, ship repairers, shipbreakers, longshore workers, and harbor workers are some examples of employees the Act covers. However, the Act does not apply to masters or crew members of vessels.

LIMITATIONS
The Act has some limitations. It does not apply to employees who cultivate or harvest aquatic animals or plants, vessels that are less than 18 tons, recreational vessels of any size that state workers compensation laws cover, and operations at any recreational facility or camp.

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Frequently Asked Insurance Questions

Currently, insurance carriers are fairly lenient on policy lapses. It is generally a good idea to keep your construction insurance policy and bond in force. 

If you have a lapse in coverage and are having trouble finding coverage, one of our construction insurance specialists will do everything to get you insured.

Call (425) 242-5357

First Underwriters Construction insurance specialists will shop our network of over 100 admitted insurance carriers and find the lowest down payment and monthly payments.

Call (425) 242-5357

If you've been declined elsewhere for prior losses, First Underwriters Construction Insurance Specialists will find a carrier  that will meet your insurance requirements and get you back to work.

Call (425) 242-5357