What is US Longshore and Harbor Group Program Workers Compensation?
US Longshore and Harbor Group Program Workers Compensation is a specialized workers’ compensation offering designed for employees working on or near docks, piers, shipyards and related marine operations. The program addresses unique liability exposures and job-site hazards that standard commercial policies may not fully cover. Many carriers package this coverage alongside commercial liability and equipment coverage to address the mix of workplace and waterfront risks.
Who needs it
Employers with shore-based operations, longshore workers, stevedores, freight handlers, terminal operators and marine contractors commonly seek this coverage. Clubs, associations and small organizations that operate docks or organize waterfront events may also need it when staff or hired workers face elevated transportation risks and spectator injury exposures. For program specifics tailored to longshore operations, see Longshore Workers Program.
What it typically covers
Typical coverages include medical benefits and lost wages for injured workers, employer liability for third‑party claims, and related indemnity payments required under workers’ compensation rules. Insurers often coordinate this with commercial auto exposure coverage for vehicles used on docks and limited property coverage for tools and equipment. Underwriting factors focus on employee classifications, payroll, hours worked near water, and the use of heavy equipment.
Example risk scenario: a dockhand slips while securing cargo and requires medical treatment; the policy would address the worker’s medical and indemnity needs as well as any third‑party claims for damage.
Common exclusions or limitations
Standard exclusions may include injuries outside the scope of employment, intentional acts, punitive damages, and some maritime-specific liability that falls under federal statutes. Policies can also limit coverage for subcontractors or for work performed on vessels that are governed by other maritime laws. Reviewing policy endorsements and exclusions is important before signing.
Factors that influence cost
Premiums are driven by payroll size, employee classifications, frequency of hazardous tasks, use of heavy lifting equipment, claims history and geographic exposure. Additional influences include whether the account requires a small account program or specialized underwriting due to high-hazard operations. Risk management practices—such as safety training, secure loading procedures and equipment maintenance—can reduce rates over time. For options aimed at smaller organizations, consider the Small Account Program — US Longshore and Harbor Workers' Compensation.
Proof of insurance & compliance
Insureds typically receive a certificate of insurance showing workers’ compensation limits and any applicable employer liability. Depending on the operation, additional endorsements or documentary proof may be required for port authorities, contractors or event organizers. Because regulatory requirements vary by state and by federal maritime rules, confirm the specific certificates your clients or partners expect.
How to get a quote
To obtain a tailored quote, prepare payroll estimates by job classification, a description of operations, loss history and any safety programs in place. Many brokers and specialty carriers familiar with harbor operations can evaluate commercial liability, equipment coverage and employer-specific underwriting factors together. Learn more about the broader market and storefront options at US Longshore and Harbor Workers Compensation.
Get a quote to compare program options and underwriting requirements for your operation.
Frequently Asked Questions
Does this coverage apply to offshore workers?
Coverage is typically designed for shore-side and harbor operations; offshore work may be subject to different maritime or federal programs. Check policy language and carrier scope.
Are subcontractors covered under my policy?
Subcontractor coverage varies by policy and endorsement. Many programs require subcontractors to carry their own workers’ compensation or to be listed on certificates.
How can I lower my premiums?
Improving safety protocols, providing regular training, maintaining equipment, and demonstrating low loss frequency are common ways to reduce underwriting risk and potential costs over time.
Still have questions? Talk to a local insurance expert.