U.S. Longshore and Harbor Workers' Compensation Act Insurance Bexar County

Your Bexar County maritime business deserves protection from a partner who understands local waterway risks and federal regulations.
• Deep understanding of Bexar County's unique maritime industry needs
• Expert knowledge of USL&H Act requirements and compliance
• Customized coverage for local waterway and port-specific risks
We go beyond basic USL&H coverage with premium risk management services tailored to Bexar County's unique maritime environment. Our enhanced coverage options include quarterly safety audits and specialized endorsements customized for local waterway operations. This proactive approach helps prevent claims while ensuring complete protection for your maritime workforce.
• River Walk Tour Operators: Companies offering boat tours along the San Antonio River Walk require USL&H coverage for their crew members working on or near the water.
• Port San Antonio Logistics Firms: Businesses involved in loading, unloading, and repairing vessels at Port San Antonio need comprehensive USL&H protection.
• Barge Maintenance Companies: Firms servicing barges and other vessels on Bexar County waterways must have USL&H insurance for their workers.
• Waterfront Construction Contractors: Companies engaged in construction or repair of docks, wharves, and other structures along Bexar County's waterways require USL&H coverage.

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

USL&H insurance costs in Bexar County average around $2,500 per employee annually. However, individual premiums vary based on several factors:
Operations in areas prone to flooding or with higher crime rates may face elevated premiums due to increased risk factors.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
The LHWCA Insurance is a federal workers' compensation program specifically designed for maritime employees in Bexar County and across the U.S. It covers workers engaged in maritime activities on navigable waters or in adjoining areas, including loading, unloading, repairing, or building vessels. This insurance provides medical benefits, disability compensation, and rehabilitation services for work-related injuries or illnesses. In Bexar County, it's particularly relevant for workers at the Port of San Antonio and along the San Antonio River.
In Bexar County, employers whose employees work on, near, or adjacent to navigable waters must carry LHWCA Insurance. This includes businesses involved in shipbuilding, ship repair, maritime construction, and longshoring operations. Even if your business is not directly on the water, if your employees are engaged in maritime-related work, you may need this coverage. For instance, companies servicing equipment used in maritime operations at inland facilities in Bexar County might require LHWCA Insurance.
LHWCA Insurance differs from standard Texas workers' compensation in several ways. It typically offers higher benefit levels and has no time limit on medical benefits. Unlike state-regulated workers' comp, LHWCA is federally administered. In Bexar County, where both inland and maritime industries coexist, businesses might need both types of coverage. LHWCA also covers a broader range of disabilities and provides more comprehensive death benefits compared to Texas state workers' compensation.
In Bexar County, LHWCA Insurance covers a range of maritime activities. This includes workers at the Port of San Antonio engaged in cargo handling, vessel maintenance, and logistics operations. It also extends to employees working on barges or boats along the San Antonio River. Additionally, it covers workers in shipyards, marine terminals, and defense contractors dealing with maritime equipment. Even some inland activities related to maritime operations, like certain warehouse work or equipment repair, may fall under LHWCA coverage in Bexar County.
LHWCA Insurance rates for Bexar County businesses are determined based on several factors. These include the nature of work performed, the company's safety record, and the total payroll for covered employees. The U.S. Department of Labor sets a national rate, but insurance carriers may adjust premiums based on local risk factors. In Bexar County, considerations might include the specific maritime operations at the Port of San Antonio, the volume of river traffic, and the types of vessels serviced. Businesses with strong safety programs often qualify for lower rates.
Bexar County employers should first determine if their operations fall under LHWCA jurisdiction. If so, they must purchase LHWCA Insurance from an approved carrier. They should also display the required LHWCA poster in the workplace, maintain accurate payroll and injury records, and report any work-related injuries promptly. It's crucial to implement comprehensive safety programs tailored to maritime risks in Bexar County. Employers should also stay informed about any changes in LHWCA regulations and consult with local maritime law experts to ensure full compliance.
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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.