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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.

...-only) Ship Builders Stevedores Terminal Operators Barge Re...

...epair operations Wharfowners, stevedores, and terminal operators Offshore ...

...ht clubs Ship repairers and stevedores Terminal operators Workboat...