USL&H - Longshore Workers Insurance

Overview of the Longshore Workers Program

Our USL&H - Longshore Workers Insurance program is designed for a variety of maritime-related employers. Whether your client is a small contractor working on docks or a large marine operation, LIG offers tailored solutions to meet their regulatory and financial needs. We provide access to both guaranteed cost and loss-sensitive plans, with a focus on seamless underwriting and fast turnaround.

Program Options

• Large Accounts ($125,000 & Up): Customized programs for higher-premium clients with complex marine or Longshore exposures.
• Longshore Lite ($10,000 – $125,000): Ideal for smaller WC/USL&H risks needing quick and simple processing.
• Diving Contractors ($25,000 & Up): Includes Workers Compensation, Longshore, and Maritime Employers Liability (MEL) coverage for diving-related operations.
• Specialty Labor Providers ($25,000 & Up): For staffing and labor companies focused on marine or Longshore work.

Target Classes and Ideal Accounts

We write virtually all forms of maritime employees and marine-related businesses. Sample classes include:

• Bilge Cleaners
• Boat Service and Repair
• Bridge Painters
• Carpenters
• Crane Installation and Repair
• Dock and Pier Contractors
• Divers
• Marine Surveyors and Contractors
• Oil & Gas Service Providers
• Stevedores
• Welders

If you have a client operating in a shipyard, servicing vessels, or providing marine labor, we likely have a solution. We also offer monoline USL&H for WA and OH accounts, as well as incidental USL&H add-ons.

Coverage Highlights

• United States Longshore & Harbor Workers’ Compensation Act (USL&H)
• State Act Workers Compensation
• Employers Liability
• Defense Base Act
• Outer Continental Shelf Lands Act
• Maritime Employers Liability (MEL)

We offer coverage on a guaranteed cost basis or with large deductible and loss-sensitive rating plans to fit a variety of risk profiles and financial strategies.

Underwriting and Minimum Premium

Programs start at a minimum premium of $10,000. We welcome submissions for both straightforward and complex accounts. Our underwriters specialize in marine and Longshore risks, ensuring fast and accurate turnaround on quotes.

Territories and Market Access

This program is available in all 50 states plus Washington D.C., including monopolistic states like WA and OH for monoline USL&H. We access a wide range of carriers to match each submission with the most appropriate market—admitted and non-admitted options available.

Why Choose LIG Marine Managers

With decades of marine and Longshore underwriting experience, LIG Marine Managers offers unmatched expertise in this niche. Our strategic relationships with 18 Longshore carriers allow us to match your clients with the right solution—fast. Whether your client needs a bundled WC/USL&H/MEL policy or a standalone USL&H solution, we're here to help you close the deal with confidence.