Chances are that if you operate any type of business then you are familiar with workers’ compensation policies and the need to protect your company if claims arise. However, if your business – or even just a single project – operates near a waterway then you may be required to have coverage under the USL&H act. The United States Longshore & Harbor Act provides coverage to employees that are working in certain maritime conditions.
Scenarios covered by USL&H are typically excluded in a standard workers’ compensation policy. USL&H also does not cover seamen on a flagged vessel, as this falls under regulations of the Jones Act. It applies to other employees that are working on or over navigable waters. Below are just a few examples of areas where this will apply:
- Ship repairing
- Marine manufacturing
- Marine construction
- Boat dealers
It is important to note that certain facilities are excluded even though they may be on navigable waters. This includes recreational operations such as country clubs or resorts.
If your company is doing work on or near a waterway, it is essential to understand the laws that protect your workers. It can be costly to ignore these regulations and not have insurance to properly protect your business.