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Formed in 2009 by an experienced team of industry executives, Breckenridge Insurance Services was built to deliver a collaborative wholesale brokerage and managing general agent platform tailored to maritime risks. Today Breckenridge offers a broad suite of property & casualty wholesale brokerage products, MGA programs and underwriter program expertise alongside financial services such as asset tracking — all placed with top-rated carriers. United States Longshore and Harbor Workers Compensation (USL&H) Program — Overview Breckenridge Insurance Services provides a targeted USL&H workers compensation program designed for traditional maritime occupations and other workers who are exposed to injury on navigable waters and adjoining areas (wharves, docks, terminals). We combine maritime underwriting experience with market access — including placement capability with an A.M. Best A+ XV carrier partner (Zurich) and other capacity — to offer competitive, comprehensive coverage for shore-based and waterborne maritime employers. Target Classes and Ideal Accounts This program is a fit for insureds engaged in: Stevedoring and longshore operations Shipbuilding, boat building and repair Marina operators and marine terminal operators Marine construction, dock and pier contractors Marine artisan contractors and ship cleaning You might place accounts such as a regional marina with year-round dock staff, a ship-repair yard that employs welders and installers, or a marine construction contractor working on piers and bulkhead repairs. The program also considers non-maritime employees if their work is performed on navigable waters and an injury occurs there. Coverage Highlights and Advantages Coverage tailored to claims that arise on U.S. navigable waters and adjoining areas used in loading and unloading vessels. Ability to place difficult-to-place maritime risks, including accounts with incidental marine employers’ liability (MEL) exposures. Access to multiple carrier options through Breckenridge’s wholesale relationships, including strong admitted capacity. Underwriting driven by maritime expertise — terms and price reflect real operational exposures and loss control considerations. Underwriting Notes & Minimum Premium Underwriting looks at payroll breakdown by class, job functions performed on navigable waters, vessel-related exposures, safety programs, and loss history. Minimum premium varies by account and state — please submit account detail (class codes, payroll, loss runs, operations description) for an accurate indication. Typical submissions that move quickly include clear descriptions of where work is performed (e.g., fixed docks vs. vessel-based) and any marine safety programs in place. Territories & Admitted Status Available in most U.S. 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 and DC). Admitted availability: Most available states. Specific admitted/non-admitted placement will depend on class, exposure and carrier appetite. Why Work With Breckenridge on USL&H Business Specialized maritime underwriting expertise combined with wholesale distribution capabilities. Market access to multiple carriers, including A.M. Best rated admitted capacity for competitive placements. Experience placing both routine and harder-to-place maritime accounts, with solutions that consider incidental MEL where appropriate. Responsive submission review — detailed underwriting feedback helps you position the account for the best terms available. How to submit: Provide class codes and payroll by class, recent loss runs, a description of operations and where work is performed, and any safety or training programs in place. Breckenridge underwriters will review and provide appetite and next steps. Frequently Asked Questions What types of accounts are a good fit for Breckenridge’s USL&H program?Accounts that perform work on U.S. navigable waters or adjoining areas: stevedoring, shipbuilding and repair, marina operators, marine construction, dock contractors, marine terminal operators and marine artisan contractors. Non-maritime employees who work on navigable waters may also qualify. Does this program cover incidental marine employers’ liability (MEL)?Yes — the program can consider accounts with incidental MEL exposures. Coverage and terms depend on operations, limits requested, and carrier appetite; include details of vessel exposure and third-party operations in your submission. What information should I include with a submission?Provide payroll by class, class codes, detailed operations description (where work is performed), recent loss runs, and any safety or training programs. Clear documentation of waterborne vs. shore-based work speeds underwriting. Are there geographic or jurisdictional limits I should be aware of?The policy is intended for injuries occurring on U.S. navigable waters and adjoining areas. Availability is broad — most U.S. states and DC — but admitted vs. non-admitted placement varies by state and carrier. How is minimum premium handled?Minimum premium varies by state and carrier. Underwriting will confirm minimum premium requirements during the quoting process based on class mix, payroll and exposure. Need help placing an account? Connect with a market specialist.

When it comes to workers compensation for your maritime clients, ISR is the answer! ISR – International Special Risks – offers a focused Maritime Workers Compensation program built to address the unique coverage needs of maritime employers. Backed by decades of marine-specialty experience and strong carrier relationships, ISR helps brokers place accounts that require coordinated State and federal maritime solutions. State Act - USLH - MEL Our program provides access to these core coverages: State Act Workers Compensation USL&H (United States Longshore and Harbor Workers’ Compensation Act) MEL (Maritime Employers Liability) We consider accounts starting at $10,000 in annual premium, with market availability dependent on the size and nature of the client’s operations. Ideal Accounts and Appetite ISR’s Maritime Workers Compensation program is designed for businesses with waterfront and vessel-based exposures. Typical accounts include: Shipyards and repair facilities Marine and heavy civil construction contractors Stevedoring, cargo handling, and dock/terminal operations Offshore energy support and marine service contractors Companies with mixed land and maritime exposures (e.g., shore-based shops plus dockside crews) Accounts with a mix of State Act and USL&H exposures are a strong fit. We can also place USL&H in most monopolistic states. Accounts that require specialized endorsements—such as MEL, OCSLA, or “if any” wording—are within our scope when appropriate. You might have a client who runs a midsize ship repair yard with both land-based machinists and longshore dockworkers. ISR can help combine State Act and USL&H coverage into a single, streamlined policy and provide endorsements to address employer liability exposures. Coverage Highlights and Advantages • Guaranteed cost plans available; sensitive plan options subject to underwriting • Direct bill payment and reporting options available • Ability to combine USL&H and State Act coverage under one policy • Blanket Waiver of Subrogation and Blanket Alternate Employer endorsements available • "If Any" wording available for MEL and USL&H where required • OCSLA coverage can be included where necessary • Dedicated subrogation support and maritime claims expertise Underwriting Notes and Minimum Premiums • Completed Accord Workers Compensation application required • Completed Supplemental Maritime USL&H and MEL application required • Current NCCI MOD worksheet (if available) • 3 years of hard copy loss runs; startups may submit an owner’s resume or signed loss summary • Resume of management required for businesses under 3 years old Accounts must meet the program minimum of $10,000 in annual premium. Underwriting considers class codes, payroll splits between land and water exposures, loss history, and operational controls. Territories and Availability ISR’s Maritime Workers Compensation program is available in all U.S. states and the District of Columbia, with admitted paper in select states. USL&H coverage can be written in most monopolistic states. All carrier partners are A.M. Best rated. Why Work With ISR? As a Brokerage General Agency with deep roots in the marine market, International Special Risks gives brokers direct access to underwriters who understand maritime exposures. ISR’s strengths include: Specialized underwriting appetite for mixed land/sea operations Market relationships that enable flexible wording and endorsements Responsive submission review and placement support Claims and subrogation expertise tailored to maritime losses When you need to place accounts that combine State Act, USL&H, and MEL exposures—or that require endorsements like OCSLA or blanket waivers—ISR offers practical solutions and market access to help you place the business. Frequently Asked Questions What types of accounts are a good fit for this program?We target maritime operations such as ship repair, marine construction, stevedoring, dockside logistics, and offshore service contractors that need State Act, USL&H, or MEL coverage. Can you write business in monopolistic states?Yes. We can provide USL&H coverage in most monopolistic states, which helps you place maritime exposures that might otherwise be difficult to insure. What is the minimum premium requirement?We consider accounts with a minimum annual premium starting at $10,000. Final premium depends on payroll, class codes, loss history, and endorsements required. Can State Act and USL&H coverage be combined into one policy?Yes. ISR can combine State Act and USL&H on a single policy to simplify administration and ensure consistent coverage coordination. What documentation is required for a submission?Provide a completed Accord workers comp application, the supplemental maritime application, current NCCI MOD (if applicable), three years of loss runs, and a management resume if the business is under three years old. Need help placing an account? Connect with a market specialist.

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