If your business is operating in the maritime industry in the US, it’s important to understand your potential USL&H insurance obligations and requirements. MHG’s marine insurance team will assist and determine your company’s risk and exposure. By working with MHG, you can rest assured, the coverage you have is exactly what is needed. And, if you experience a claim, we will guide you through the process to be sure the claim is filed correctly so that your employee can begin receiving benefits quickly.

The US Longshore and Harbor Workers Compensation Act (USL&H) is a federal worker’s compensation law for maritime employees working on or over the navigable waters of the US. Typically, employees subject to this Act are not eligible for coverage under state workers' compensation due to the marine exposure of their work. They’re also not eligible for Jones Act coverage due to the lack of seamen status. USL&H was designed to fill this coverage gap. USL&H provides medical expenses and disability benefits for work-related injuries and occupational diseases. If your employees are engaged in maritime operations as defined by the Act, you’re required by law to provide USL&H coverage.

Depending on the nature of your business and the activities performed by your employees, you may require USL&H coverage. Coverage can be customized for:

• Ship repairers

• Ship builders

• Longshore and Stevedores

• Terminal operators

• Marine contractors

• Harbor construction workers

• Marine equipment rental companies

• General Liability insurance and/or Marine General Liability insurance

• Commercial Property insurance

• Commercial Auto insurance

• Umbrella insurance / Bumbershoot Liability

• Professional Liability insurance

• Workers’ Compensation