USL&H Workers' Compensation

Overview — Amwins Underwriting: USL&H Workers' Compensation

American Equity Underwriters, part of the Amwins Underwriting division, administers The American Longshore Mutual Association, Ltd., a group mutual company approved by the U.S. Department of Labor. This program gives agents a specialist market for United States Longshore & Harbor Workers’ Compensation (USL&H) and related maritime exposures.

Program Highlights

• First Dollar / Guaranteed Cost options
• Single- and multi-year programs (1, 2 and 3 years)
• Loss-sensitive plans and deductible programs
• Excess over qualified self-insurance

Coverage Offered

• United States Longshore & Harbor Workers’ Compensation Act (USL&H)
• Defense Base Act (DBA)
• Outer Continental Shelf Lands Act (OCSLA)
• Companion state act programs in conjunction with the above
• Maritime Employers Liability

Ideal Accounts & Target Classes

Amwins Underwriting’s USL&H program targets employers with meaningful waterfront exposures. Typical classes include:

• Ship builders and ship repairers
• Stevedores and terminal operators
• Barge repairers and marine construction contractors
• Steamship agents and coal dock operators
• Luxury yacht builders and offshore industries

Note: At least 10% of the company’s payroll must be USL&H-exposed to qualify.

Why this Program Helps Your Clients

Waterfront employers face unique exposures — jurisdictional complexity, long-tail injuries, and operations that cross state and federal boundaries. Amwins Underwriting’s program pairs experienced maritime underwriting with flexible plan structures (loss-sensitive, deductible, multi-year) to help you place accounts that need specialist handling and stable terms.

Underwriting Notes & Minimums

• Minimum premium: $10,000.
• Minimum USL&H payroll exposure: 10% of total payroll.
• Programs available as first-dollar/guaranteed cost, deductible, or loss-sensitive; excess over qualified self-insurance available where appropriate.

Territories & Availability

This coverage is available in all U.S. states and the District of Columbia. Use this program when placing maritime and waterfront employers nationwide.

Example Accounts That Fit

• A regional stevedoring company with mixed longshore and inland operations seeking a multi-year, loss-sensitive program to stabilize cost.
• An offshore construction contractor needing USL&H and OCSLA coverage for crew working both nearshore and outer continental shelf projects.

Why Work With Amwins Underwriting

Amwins Underwriting provides specialist maritime underwriting and program administration through American Equity Underwriters. Agents benefit from a dedicated program that understands waterfront operations, offers flexible policy structures, and is approved by the U.S. Department of Labor for group mutual arrangements. For full program details, forms and submission guidance, please visit our website.