Program Overview: USL&H Workers Compensation
• A-rated insurance carriers
• Guaranteed cost programs
• Monoline workers' compensation placement
• Pay-as-you-go options available
• New ventures welcome
• Premiums starting at $150K
• Fast quote turnaround
Target Classes and Ideal Accounts
This program is ideal for maritime and waterfront-related businesses that fall under the U.S. Longshore and Harbor Workers’ Compensation Act. Whether you're trying to place a new ship repair operation, a dockside staffing company, or a marine construction firm, AIU can help you navigate these complex exposures. Accounts with sizable premiums, new ventures with strong financials, or those with higher-than-average experience mods are all within scope.
Example scenarios that may be a good fit include:
- A newly launched marine welding company with experienced leadership but no prior coverage history.
- A dockside logistics service provider with a high-mod history seeking a fresh start with a competitive carrier.
Coverage Highlights and Program Advantages
AIU’s USL&H Workers Compensation program provides access to exclusive nationwide markets that understand this niche. Their in-house underwriting and carrier partnerships allow them to offer:
- Flexible payment structures including Pay-As-You-Go
- Support for new ventures and high-mod risks
- Dedicated service and rapid response times
- Monoline workers' compensation for complex placements
Underwriting Requirements
To submit an account for this program, be prepared to provide:
• Fully completed ACORD 130
• Supplemental application
• 5 years of currently valued loss runs (within 90 days of effective date)
• Experience Mod worksheet
• Target and expiring premium
• Financials (especially for new ventures)
• Explanation of any loss over $25K
• Detailed description of operations
• Completed agency agreement (required before quote release)
Program Availability
The USL&H Workers Compensation program is available in the following states:
AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WV, WI.
AIU works with both admitted and non-admitted markets, depending on the account and territory.
Why Partner With AIU?
All Insurance Underwriters, Inc. is a Managing General Underwriter (MGU) with a national footprint and a strong focus on workers' compensation. Their specialized USL&H program is backed by multiple carrier partners and designed to support agents looking to place complex or high-premium maritime risks. With a fast turnaround on quotes and a high-touch service model, AIU makes it easier for agents to succeed in difficult markets.
In addition to USL&H, AIU also offers a range of niche workers’ compensation programs including:
• Staffing program ($75K+)
• Home healthcare
• Roofing contractors
• Auto dealers
• Restaurants
• Payroll services
• Long-haul trucking
• Small contractors ($5K+)
• High deductible programs ($250K+)
• PEO placements
• High mod and high hazard risk solutions
For more information about our USL&H Workers Compensation Insurance Program, call us today!
Frequently Asked Questions
What types of accounts are a good fit for this USL&H Workers Compensation program?
Accounts involved in maritime operations such as ship repair, dockside services, marine construction, or staffing near navigable waters are ideal. New ventures and high-mod accounts are also considered.
Is this program available in all states?
The program is available in most states, including CA, FL, NY, TX, and others. Contact AIU for specific state eligibility.
What is the minimum premium for this program?
Minimum premiums typically start at $150K, but may vary depending on the risk and underwriting details.
Can new ventures with no prior coverage qualify?
Yes. New ventures are accepted, especially if they can provide strong financials and a clear operational plan.
How fast can I get a quote?
AIU offers quick quote turnaround once a complete submission is received, including all required documents and agency agreement.
Need help placing an account? Connect with a market specialist.