What is USLH?
Most employers are familiar with the term workers compensation and the related insurance policies. Laws to protect workers have been on the books for over 100 years. However, when the workers comp laws were written they did not include activities in the maritime industry. This is where the Jones Act was adopted and applied similar protections to seamen on U.S. vessels.
This left a gap in coverage for some employees that worked on or near the water but were not considered seamen. The USL&H Act was then passed several years later to provide those workers with protections. USL&H stands for the United States Longshore and Harbor Workers’ Compensation Act.
Why Do You Need Insurance?
Your company is likely a candidate for USL&H insurance if it is involved in shipbuilding, ship repair or dock work. You will also need USL&H insurance if you are a contractor bidding on a project that involves work covered under the act. This is typically any work being performed on navigable waters or adjacent to the water. Some examples include the following:
- Marine railway
- Dredging barge
- Dry dock
- Loading terminal
USL&H insurance is necessary when your employees are doing work that meets a certain criteria. If youre not familiar with these laws then a marine insurance professional can help you understand when it is needed.