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

Your Collin County maritime business deserves protection from a partner who understands local waterway risks and federal regulations.
• Deep understanding of Collin County's unique maritime landscape
• Expert knowledge of federal USL&H Act requirements
• Customized coverage for local waterway-related risks
We go beyond basic USL&H coverage with premium risk management services. Our enhanced options include quarterly safety assessments and specialized endorsements for Collin County's unique maritime operations. This proactive approach helps prevent claims while ensuring complete protection.
• Marina Operators: Businesses managing boat docks and facilities on Lake Lavon or other local waterways require USL&H coverage for employees working on or near navigable waters.
• Inland Waterway Construction Companies: Firms involved in projects on Collin County's lakes and rivers need protection for workers engaged in maritime construction activities.
• Boat Repair and Maintenance Services: Companies servicing watercraft in Collin County must have USL&H coverage for technicians working on vessels.
• Waterfront Cargo Handling Operations: Businesses involved in loading or unloading goods near navigable waters in Collin County require USL&H insurance for their workers.

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

On average, USL&H insurance in Collin County costs around $2,500 annually per employee. However, individual premiums vary based on several factors:
Higher coverage limits increase costs, while higher deductibles can lower premiums but increase out-of-pocket expenses for claims.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
The U.S. Longshore and Harbor Workers' Compensation Act (LHWCA) Insurance is a federal program providing coverage for maritime workers in Collin County, Texas. It offers benefits for work-related injuries or illnesses to employees working on navigable waters or in adjoining areas like docks, wharves, and terminals. This insurance is crucial for businesses in Collin County involved in maritime activities, ensuring compliance with federal regulations and protecting both employers and employees.
In Collin County, businesses engaged in maritime activities near navigable waters require LHWCA Insurance. This includes companies involved in ship repair, shipbuilding, harbor construction, and longshoring operations. Even if Collin County is inland, businesses working on artificial bodies of water connected to navigable waterways may need coverage. It's essential for employers in industries like logistics, transportation, and construction working near water to assess their need for LHWCA Insurance to ensure compliance and worker protection.
LHWCA Insurance in Collin County offers broader coverage and higher benefits compared to standard Texas workers' compensation. It provides medical care, disability payments, and rehabilitation services for maritime workers. Unlike state-regulated workers' comp, LHWCA is federally administered, ensuring consistency across states. In Collin County, businesses might need both LHWCA and state workers' comp, depending on employee roles. LHWCA typically offers higher compensation rates and has no time limit on medical benefits, unlike Texas workers' comp.
Failure to carry LHWCA Insurance in Collin County can result in severe penalties. 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 liable for substantial damages. In Collin County, where maritime activities intersect with inland operations, businesses must carefully evaluate their need for LHWCA coverage to avoid these harsh federal penalties and ensure proper protection for their workforce.
To obtain LHWCA Insurance in Collin County, contact a licensed insurance provider specializing in maritime coverage. They'll assess your business operations and determine if you need LHWCA Insurance. In Texas, you can also explore the Texas Mutual Insurance Company, which offers LHWCA coverage. Due to Collin County's unique inland location, it's crucial to work with an agent familiar with both federal maritime laws and local business landscapes. They can help navigate the complexities of LHWCA coverage specific to your Collin County operations.
LHWCA Insurance provides comprehensive benefits to eligible employees in Collin County. It covers medical expenses related to work injuries without deductibles or co-pays. Temporary total disability benefits are two-thirds of the worker's average weekly wage. For permanent disabilities, benefits can continue for life. It also offers vocational rehabilitation services and death benefits to surviving dependents. In Collin County's diverse economic landscape, these benefits ensure maritime workers receive robust protection, often exceeding standard Texas workers' compensation benefits.
Start Your Coverage Today
Request a Free Quote
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.