U.S. Longshore and Harbor Workers' Compensation Act Insurance Austin

Your Austin maritime business deserves protection from experts who understand local waterway risks and federal regulations.
• Deep understanding of Austin's unique maritime landscape and risks
• Expert knowledge of federal USL&H regulations and Texas state laws
• Customized coverage for specific Austin waterway operations
We go beyond basic USL&H coverage by offering premium risk management services tailored to Austin's maritime sector. Our enhanced coverage options include specialized safety training programs and quarterly risk assessments focused on local waterway hazards. This proactive approach helps prevent claims while ensuring complete protection for your Austin-based maritime business.
• Marina Operators: Businesses managing facilities on Lake Travis or Lady Bird Lake require comprehensive USL&H coverage for dock workers and maintenance staff.
• Ship Repair Companies: Firms servicing vessels on Austin's waterways need robust protection against worker injury claims and federal compliance issues.
• Waterfront Construction Contractors: Companies involved in building or renovating structures along Austin's shorelines must have USL&H insurance to cover unique construction risks.
• Cargo Handling Services: Businesses loading or unloading goods at Austin's river ports require specialized coverage for their longshoremen and harbor workers.

Let our local experts analyze your current coverage and identify potential gaps or savings for your business.
Comprehensive protection for Austin's maritime workforce, addressing federal requirements and local waterway risks.

USL&H insurance in Austin typically costs between $2,500 to $25,000 annually, depending on various factors:
Higher coverage limits, while providing more protection, will increase the overall cost of the policy for Austin maritime employers.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
LHWCA insurance in Austin is a federal workers' compensation program specifically designed for maritime employees working on or near navigable waters. It covers injuries and illnesses sustained by dock workers, ship repairers, and other maritime workers in Austin's port areas, such as those along the Colorado River. This insurance provides medical benefits, disability compensation, and rehabilitation services to eligible workers.
In Austin, employers engaged in maritime activities near navigable waters need LHWCA insurance. This includes businesses operating at Lady Bird Lake, Lake Austin, and along the Colorado River. Examples are companies involved in ship repair, dock work, marine construction, and cargo handling. Even some businesses not directly on the water, but supporting maritime activities, may require coverage. It's crucial for Austin employers to assess their need based on their specific operations and location.
LHWCA insurance in Austin provides more comprehensive benefits than standard Texas workers' compensation. It offers higher compensation rates, typically two-thirds of the worker's average weekly wage, compared to the state system's lower rates. LHWCA also provides lifetime medical benefits for work-related injuries, whereas Texas workers' comp may have limitations. Additionally, LHWCA allows workers to sue third parties for negligence, which is often restricted under state workers' compensation laws.
LHWCA insurance in Austin covers a wide range of maritime-specific risks. These include injuries from dock accidents, exposure to hazardous materials during ship repairs, falls on slippery surfaces near water, and injuries from heavy machinery used in loading and unloading cargo. It also covers occupational diseases common in maritime work, such as respiratory issues from prolonged exposure to marine environments. Given Austin's inland port status, coverage extends to unique risks associated with river-based maritime activities.
Austin businesses can obtain LHWCA insurance through specialized insurance providers or brokers familiar with maritime law. It's crucial to work with an agent experienced in LHWCA coverage, as it differs significantly from standard workers' comp. Employers should provide detailed information about their operations, employee roles, and work locations. In Austin, where maritime activities might be less common than coastal areas, it's important to find insurers who understand the unique aspects of inland port operations and can tailor coverage accordingly.
Penalties for non-compliance with LHWCA insurance requirements in Austin can be severe. Employers may face fines up to $10,000 or imprisonment up to one year, or both. Additionally, non-compliant employers lose common law defenses in employee lawsuits and may be personally liable for all compensation and medical benefits. In Austin, where maritime activities might be overlooked, businesses must be vigilant in assessing their need for LHWCA coverage to avoid these harsh penalties and ensure proper protection for their workers.
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For over a decade, TWFG Khan Insurance Services has been the trusted partner for businesses across Texas and neighboring states. We specialize in complex insurance solutions for maritime, oil & gas, and construction industries where standard coverage isn't enough.
Don't let gaps in coverage put your business at risk. Our team of specialists will work with you to create a comprehensive protection plan that keeps your business secure and compliant.
Join the hundreds of businesses who trust us with their most critical insurance needs.