What You Should Know About USL and H Insurance

You may not know that some industries require specialized types of workers’ compensation coverage. One of these specific policy types fills the workers’ comp gap under the United States Longshore and Harbor Act. USL and H coverage protects businesses that operate on or near navigable waters. Employees subject to this law may also qualify for state benefits.

Who Benefits From This Insurance?

The Longshore and Harbor Workers Compensation Act protects employees that do not have adequate safeguards under maritime or state laws. Some examples of covered workers include:

  • Employees who load or unload vessels
  • Longshore and harbor workers
  • Dredging operations employees
  • Maritime construction crews
  • Shipbreakers
  • Shipbuilders
  • Ship repair workers

Business locations near the water that qualify for coverage include any adjoining wharf, dry dock, pier, terminal or other facility used for the duties mentioned above.

What Does USL and H Insurance Cover?

Some of the benefits of this federally mandated coverage include:

  • Loss of wages compensation
  • Disability and death benefits equalling two-thirds of the injured worker’s average weekly income
  • Weekly compensation payments during rehabilitation
  • Attorney fees for successful legal claims
  • Survivor benefits

The law requires that employers obtain coverage for their staff and their company from an authorized insurance carrier. This insurance protects your employees from workplace risks unique to maritime occupations.