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Do You Need USLH Insurance?

Do You Need USLH Insurance?

Most people are familiar with standard workers’ compensation insurance policies covering on-the-job injuries and illnesses for employees. However, some industries require a more specialized version of this coverage.

All businesses that work near navigable waters must have U.S. Longshore and Harbor coverage for their employees. The federal government requires this type of insurance under the Longshore and Harbor Workers’ Compensation Act of 1927.

What Are the Protections of USL&H Coverage?

This kind of policy supersedes other workers’ comp laws because the federal government mandates its use. Some covered risks include:

  • Disability and death benefits
  • Weekly allowance payments for rehabilitation services required after an injury
  • Loss of wages benefits due to partial disabilities
  • Legal fees for claimants challenging a denial
  • Spouse benefits in the event of permanent disability or death.

What Types of Workers Need This Insurance?

Employees who work on the water have different requirements than those that work adjacent to navigable seas. Businesses that must secure this policy type include:

  • Harbor workers
  • Shipbuilders
  • Maritime construction workers
  • Longshoremen
  • Dock builders
  • Marine contractors

Employers with companies that conduct business near the water must have adequate USL&H coverage to cover illnesses or injuries sustained by employees while performing job tasks. Benefits depend on the worker’s earning capacity and wage loss following an injury.


What You Need To Know About USLH Insurance

What You Need To Know About USLH Insurance

Taking out the right insurance plan can make all the difference when it comes to the long-term success of your business. Every industry has unique risks, which means you want to make sure your insurance package is tailored to the specifics of your field. If your business involves vessels that operate on navigable waters, you definitely need to understand United States Longshore & Harbor coverage and how it compares to a traditional package for Workers’ Compensation.

The Basics of USL&H

Understanding how USL&H insurance works are quite simple. Essentially, workers who are on boats and other large sea-faring vessels on navigable waters are in a unique position when it comes to insurance. Being both at sea and possibly away from the shores of the country where the business is based creates obstacles. United States Longshore & Harbor coverage tackles this problem by providing ample coverage for all workers who are at sea. Opting for this type of coverage is not only helpful for your business, it also is required for certain businesses. Additional points to consider include:

Properly Protect Your Employees

To properly protect your business from the risks of your industry, you need insurance that can rise to the challenge. Look into how United States Longshore & Harbor coverage works and determine if it is needed for your business.