Longshore work has long been known as a particularly hazardous profession. That’s why the United States Longshore and Harbor Workers' Compensation Act (LHWCA) was established — to ensure that maritime employees have access to essential protection in the event of job-related injuries. Employers covered under this Act are required by law to carry US Longshore and Harbor Act Insurance. Failing to secure this coverage can lead to serious consequences, including fines of up to $10,000 and even up to a year in prison. Employers are still responsible for workplace injuries regardless of coverage status. Here's what you need to know about how this insurance works and how to protect your business and workforce.
What You Need to Know
Employers are legally and financially responsible for their employees' safety. In high-risk industries like maritime work, skipping workers' compensation coverage can be a costly mistake. Injuries are common and can significantly impact both the worker and the business. To avoid legal trouble and financial strain, employers must secure US Longshore and Harbor Act Insurance, typically through a private insurer. This insurer pays the required benefits on the employer’s behalf. Alternatively, some employers may qualify to be self-insured if approved by the Department of Labor.
What Does It Cover
US Longshore and Harbor Act Insurance typically covers medical expenses related to job injuries, lost wages during recovery, and rehabilitation services.
Coverage applies to incidents occurring in US navigable waters or adjoining areas like docks, piers, terminals, and wharves. Injuries can include broken bones, repetitive stress injuries, hearing loss, or long-term health conditions. If a worker dies due to a covered injury, the policy provides death benefits to their dependents. This coverage applies to longshore workers, shipbuilders, harbor construction workers, and others who work in maritime-related roles.
How Does It Work
Just as office workers rely on general workers’ compensation, maritime employees depend on US Longshore and Harbor Act Insurance for added protection in a more dangerous environment.
This policy ensures employees receive prompt care and compensation without needing to prove employer negligence. It also helps employers limit liability and stay compliant with federal law. Claims are typically handled outside of court through a claims administrator or insurer, though complex cases may involve the Office of Workers’ Compensation Programs (OWCP).
Additional Considerations
If you're unsure whether this coverage applies to your business or how to get started, it's best to contact a licensed insurance provider. They can explain specific coverage requirements based on your operations. Most employers won’t deal directly with the federal government unless a claim becomes disputed or escalates. Understanding your obligations under the LHWCA helps you avoid penalties and ensures your employees are protected in case of injury.
Frequently Asked Questions
Who is covered under US Longshore and Harbor Act Insurance?
It covers maritime workers such as longshoremen, harbor workers, shipbuilders, and others who work on or near navigable waters in the U.S.
Is USLH insurance required for all maritime employers?
Yes, if your business employs workers covered under the LHWCA, you are required to maintain proper insurance coverage or be authorized as a self-insurer.
What types of injuries are eligible for benefits?
Covered injuries include physical harm like broken bones, hearing loss, repetitive motion injuries, and more, as long as they occur during job duties in covered areas.
Does this insurance cover death benefits?
Yes, if a covered worker dies as a result of a job-related injury, death benefits are provided to their dependents.
How can I get a quote for USLH insurance?
You can start the process by contacting a private insurer or requesting a quote online.
Still have questions? Talk to a local insurance expert.