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The leading provider of USL&H to waterfront employers for more than 20 years. 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. Frequently Asked Questions What types of accounts are a good fit for this USL&H program?Accounts with a minimum of 10% USL&H payroll exposure that operate on or adjacent to navigable waters — for example stevedores, shipyards, barge repairers, terminal operators, and marine construction contractors. What program structures are available?Options include first-dollar/guaranteed cost, deductible programs, loss-sensitive plans, multi-year (1–3 year) terms, and excess over qualified self-insurance where eligible. Are there minimum premium or other underwriting minimums I should know?The program’s minimum premium is $10,000. Additionally, at least 10% of the company’s payroll must be attributable to USL&H exposure to qualify. Which territories are eligible?The program is available across the United States, including the District of Columbia. It supports federal maritime coverage (USL&H, DBA, OCSLA) and companion state act placements when applicable. Need help placing an account? Connect with a market specialist.

The leading provider of USL&H to waterfront employers for more than 20 years. American Equity Underwriters, part of the Amwins Underwriting division, is the program administrator for The American Longshore Mutual Association, Ltd., a group mutual company approved by the U.S. Department of Labor. Availability This coverage is written in all U.S. states Program Highlights First Dollar/Guaranteed Cost Single and Multi-year Programs (1, 2 and 3 years) Loss-Sensitive Plans Deductible Excess Over Qualified Self-Insurance Coverage Offered United States Longshore & Harbor Workers’ Compensation Act Defense Base Act Outer Continental Shelf Lands Act Nonappropriated Fund Instrumentalities Act Our Target Classes: Ship Builders Stevedores Terminal Operators Barge Repairers Marine Construction Ship Repairers Steamship Agents Luxury Yacht Builders Coal Docks Offshore Industries Note: A minimum of 10% of the company’s payroll must be USL&H exposure To learn more, please visit our website.

The American Equity Underwriters, Inc. (AEU) is the program administrator for the American Longshore Mutual Association, Ltd. (ALMA), which is authorized by the Department of Labor to provide USL&H coverage for the liabilities of its members under the United States Longshore & Harbor Workers' Compensation Act. ALMA's unique structure as a group self-insurance fund gives us the freedom to be more creative in our underwriting, customizing programs for optimal results. Coverages: United States Longshore and Harbor Workers' Compensation Act Defense Base Act Outer Continental Shelf Lands Act Non-Appropriated Fund and Instrumentalities Act Companion State Act Program in conjunction with the above coverages Target Classes: A minimum of 10% of the company's payroll must be USL&H exposure (unless incidental-only) Ship Builders Stevedores Terminal Operators Barge Repairers Marine Construction Ship Repairers Steamship Agents Luxury Yacht Builders Coal Docks Offshore Industries The below preferred classes may also have USL&H (possibly incidental-only) exposure: Heating and A/C Contractors Engine Repair Fire Extinguisher Servicing Sheet Metal Work Architects and Engineers Refrigeration Repair Pest Control Carpentry Electricians Welders Painters Wallboard Installation Communications Repair Crane Installations and Repair Concrete/Cement Work Plans Include: First Dollar Coverage Loss Sensitive Rating Plans Excess Over qualified Self-Insurance Incidental Coverage Deductible Limits: Federal Acts: Statutory Employer's Liability: $1,000,000

ISR is one of the oldest and largest marine insurance brokerage firms in the United States. At International Special Risks we focus exclusively on marine insurance and provide retail agents and brokers with access to top-rated carriers in both the U.S. and London markets. Our team of experienced marine insurance professionals makes it easier for you to place and service marine accounts, no matter how specialized the exposure. We are the specialists in Marine Insurance! Overview of the Program from International Special Risks Whether your client operates a marina, builds vessels, or transports cargo across international waters, ISR is a wholesale partner that helps you place and market marine business. We offer tailored solutions across hull & machinery, marine liability (including marina operators' legal liability), cargo, P&I exposures, and other marine-specific coverages. ISR handles the marketing and placement work, so you can focus on growing and retaining your marine accounts—even if marine insurance isn’t your specialty. We also offer dedicated in-house marine claims support to help expedite resolution and get your clients back to business quickly. Our combination of specialist underwriting relationships and claims expertise is designed to reduce friction on complex marine losses. Ideal Accounts and Appetite ISR works with a broad range of marine-related risks, including: • Marine Contractors • Diving Contractors • Ferries • Boat Builders • Gaming Vessels • Stevedores • Shipyards • Marinas • Excursion Vessels • Dredging Contractors • High-Valued Yachts • Marine Product Manufacturers • Port Authorities • Cargo Vessels • Marine Terminals • Yacht Clubs • Exporters/Importers • Barge and Tug Operators • Boat Dealers • Oceanographic Vessels • Six-Pack Vessels ISR can place small, family-owned marinas through large commercial shipyards and international cargo operators. Typical fits include accounts with clear marine operations, documented maintenance programs, and commercial or recreational vessels scheduled on the program. Less-standard or highly unusual exposures should be discussed up front — we’ll advise whether they fit our appetite or require a special market approach. Examples you might submit: A regional ferry operator with multiple vessels seeking liability and hull coverage for scheduled passenger runs. A waterfront boatyard that needs marina operators' legal liability, property, and pollution liability coverage for repair and storage operations. Coverage Highlights and Advantages Through ISR, you gain access to A.M. Best–rated carriers in both the U.S. and London markets. Key advantages include: Comprehensive marine programs tailored to class of business and risk profile Custom wordings available for hull & machinery, P&I, cargo, marina operators' liability, and pollution exposures Competitive pricing from admitted and non-admitted markets, when appropriate Efficient, experienced in-house marine claims handling and support Dedicated marketing and placement service to save you time We understand the unique loss exposures in marine operations — from shoreline pollution to vessel damage and cargo claims — and structure placements to address those specific risks. Underwriting Notes and Minimum Premiums ISR’s underwriting process is designed for fast turnaround while ensuring appropriate carrier placement. We work with both admitted and non-admitted markets, depending on state regulations and the nature of the risk. Minimum premiums and retentions vary by class and carrier; contact ISR for guidance on expected minimums and the most efficient placement strategy for your submission. Territories and Availability Our marine insurance solutions are available across most U.S. states, including coastal and inland markets. Coverage is available in the following states: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC. Availability and admitted status may vary by state and coverage line. Why Work With International Special Risks? ISR is a dedicated marine specialist with decades of market presence and established carrier relationships. Our exclusive focus on marine business gives you access to markets and wordings that generalist wholesalers may not offer. We combine underwriting expertise, tailored placement strategies, and in-house claims service to help you place and retain marine accounts with confidence. If you're ready to place a marine account or want a quick review of a submission, contact us today. One of our specialists will respond within one business day. Frequently Asked Questions What types of accounts are a good fit for this program?We specialize in a wide range of marine-related businesses, including marinas, shipyards, diving contractors, ferry operators, and cargo vessel owners. Do you work with admitted or non-admitted carriers?We offer access to both admitted and non-admitted markets. Placement depends on the state, client needs, and the specific class of marine risk. Can you help with claims handling?Yes. ISR provides dedicated in-house marine claims specialists who work to manage and expedite claims for your clients. What is the turnaround time for quotes?We strive for fast responses. In most cases we reply within one business day, though complex accounts may require additional information or time. Is this program available in my state?Our marine solutions are available in nearly all U.S. states, including coastal and inland regions. Contact ISR to confirm availability and admitted status for your specific state. Need help placing an account? Connect with a market specialist.