The United States Longshore & Harbor Act is a federal regulation that requires insurance coverage for specific industries operating near water. USL&H policies offer protection from accidents and injuries for employees in situations that are not covered under standard workers’ compensation coverage.
When Is USL&H Coverage Required?
Experts in marine insurance indicate USL&H requirements are aimed at companies with operations performed on boats outside of the water, on dry docks, piers, marine railways, terminals, wharves, or any similar marine-associated structure not located in the water. Marinas, yacht clubs, boat dealers and marine manufacturers are examples of the types of businesses likely under a legal obligation to carry USL&H insurance.
This type of policy protects employees from accidents or injuries that occur on the job. Employee compensation is based upon loss of salary and post-injury earning potential. It is intended to cover workers whose general assignment is not out at sea but still falls under the marine industry umbrella, such as:
- Ship repair workers
- Longshore and harbor employees
- Marina workers
- Vessel artisans
- Dock or marine construction workers
The federal government imposes harsh fines on those businesses that fail to meet the legal requirement for coverage. Workers’ compensation benefits do not provide adequate employee protection for a number of marine industry operations. USL&H picks up where workers’ comp leaves off, ensuring your workers, and your business, have the protection they need.