The Ins and Outs of USLH Insurance

USLH Insurance

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
  • Longshoremen
  • 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.