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Choosing your Workers' Comp Insurance

Workers' Compensation, also known as Workman's Compensation insurance, provides for your employees' medical expenses and some portion of their wages if they are injured on the job. All accidental injuries, occupational diseases and even death arising from the subject's employment are covered by Workers' Comp. In most industries, if you have four or more employees, you are required to provide Workers' Compensation, however, the statutory requirements for contractors is significantly more strict.

The Longshore Harbor Worker's Compensation Act, often referred to as USL&H, provides benefits similar to Workers' Compensation to employees working in the maritime industry. USL&H covers employees if any injury or death occurs while working on navigable waters, on a dock, during a dry dock or other areas commonly used by vessels. Workers' Compensation policies can be endorsed to offer coverage for the employee while working on land as well as for USL&H exposures.

The Merchant Marine Act of 1920, otherwise known as the Jones Act, is a federal act which provides benefits similar to Workers' Compensation to masters and crew of vessels. An employee working on a vessel in the capacity of an engine repairman, for example, may be covered by USL&H law while working on a ship while docked or navigating US waterways. However, that same employee doing the same job may become a "crew member" and therefore fall under Jones Act coverage while the ship is sailing. We can assist to provide coverage that will cover your company's risk appropriately.

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