If you own a business, you are probably familiar with workers’ compensation. However, if you own a business that operates near the water, there is another type of insurance for workers that you should know about. This insurance is called U S L & H insurance or United States Longshore & Harbor insurance.
What is USL&H Coverage?
USL&H insurance is a type of workers’ compensation coverage that all businesses near the waters of the US are required to have for their workers. USL&H coverage is actually mandatory and is enforced by the federal government under the Longshore and Harbor Workers’ Compensation Act of 1927.
What is Covered by USL&H Insurance?
While USL&H insurance is a form of workers’ compensation, it actually provides more liberal benefits than typical workers’ compensation. Some of the things it offers are:
- The three-day waiting period is eliminated if disability exceeds 14 days
- A weekly allowance is provided to those in rehabilitation
- Benefits are provided to permanently disabled individuals
- Maximum disability/death benefits
Who Needs USL&H Insurance?
If you own a maritime business that employs workers, you are required to carry USL&H insurance. Some specific businesses that need to have USL&H insurance are:
- Ship builders
- Ship repair men
- Harbor workers
- Maritime construction workers
Most people are familiar with workers’ compensation but USL&H insurance is a great alternative for your workers if you operate near any US waters. Having the correct coverage for your workers can make all the difference.