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

Your Dallas maritime business deserves protection from a partner who understands local waterfront risks and federal regulations.
• Deep understanding of Dallas maritime industry and local waterways
• Expert knowledge of federal USL&H Act requirements
• Customized coverage for unique Dallas port and inland waterway risks
We go beyond basic USL&H coverage with premium risk management services. Our enhanced coverage options include quarterly safety audits and specialized endorsements customized for Dallas maritime operations. This proactive approach helps prevent workplace injuries while ensuring complete protection against federal claims.
• Cargo Handling Companies: Stevedoring firms and terminal operators at inland ports like the Dallas Southport Terminal require USL&H coverage for workers involved in loading and unloading vessels.
• Ship Repair and Maintenance: Businesses servicing vessels on navigable waters, including those at Lake Ray Hubbard marinas, need protection against worker injury claims.
• Waterfront Construction: Companies involved in building or repairing docks, piers, and other maritime structures along the Trinity River system must have USL&H insurance.
• Warehousing and Distribution: Businesses operating warehouses adjacent to navigable waters or involved in maritime cargo processing need this specialized coverage.

Let our local experts analyze your current coverage and identify potential gaps or savings for your business.
Comprehensive protection for Dallas maritime operations, addressing federal requirements and local waterfront risks.

USL&H insurance costs vary widely in Dallas, typically ranging from $5 to $25 per $100 of payroll. However, individual premiums depend on several factors:
Unique risks associated with Dallas inland waterways, such as flood prone areas, may impact insurance costs.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
LHWCA insurance in Dallas is a federal workers' compensation program that covers maritime employees working on or near navigable waters. It's crucial for businesses operating along the Trinity River or at inland ports like the Dallas Logistics Hub. This insurance provides medical care, disability benefits, and rehabilitation services for workers injured on the job. In Dallas, it's particularly relevant for companies involved in cargo handling, ship repair, and waterfront construction.
In Dallas, LHWCA insurance is required for employers with workers engaged in maritime activities, even if not directly on the coast. This includes employees at inland ports, on rivers, or in adjoining areas like shipyards or terminals. Specifically, businesses involved in loading/unloading vessels, repairing ships, or constructing marine structures need this coverage. Even some truck drivers and warehouse workers handling maritime cargo in Dallas may fall under LHWCA jurisdiction.
LHWCA insurance in Dallas offers more comprehensive benefits than standard Texas workers' compensation. It provides higher compensation rates, with injured workers receiving up to 66.67% of their average weekly wage, compared to the state's 70% cap. LHWCA also offers lifetime medical benefits for work-related injuries, unlike the limited duration in state plans. Additionally, it covers a broader range of maritime-related occupations that Texas state workers' comp might not include.
Failing to carry LHWCA insurance in Dallas can result in severe penalties. Employers may face fines up to $10,000 or imprisonment up to one year, or both. They're also liable for a civil penalty of $1,000 per day of noncompliance. Moreover, non-compliant employers lose common law defenses in employee lawsuits and may be subject to paying additional compensation. In Dallas, with its growing inland port activities, compliance is strictly monitored by federal authorities.
To obtain LHWCA insurance in Dallas, contact insurance providers specializing in maritime coverage. Start by assessing your business operations to determine if you need this specific coverage. Then, consult with a local insurance broker experienced in LHWCA policies. They can help navigate the complexities of federal requirements and find suitable coverage. In Dallas, consider insurers familiar with inland waterway operations and the unique risks associated with the city's logistics and transportation hubs.
Yes, LHWCA insurance in Dallas can cover employees working both on land and water, a common scenario in the city's inland port areas. The 'status' and 'situs' tests determine eligibility. Employees must spend at least some time on navigable waters (or adjoining areas) and perform maritime-related work. In Dallas, this might include workers at intermodal facilities handling cargo destined for or coming from ships, even if they're not directly on the water. It's crucial for Dallas employers to accurately assess their workers' roles and locations.
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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.