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

Expert maritime insurance solutions tailored to Dallas County's unique waterfront business landscape.
• Deep understanding of Dallas County's maritime industry and regulations
• Customized USL&H coverage for local businesses
• Dedicated support for claim handling and compliance
We go beyond standard USL&H coverage by offering risk management services tailored to Dallas County's maritime sector. Our premium packages include regular safety audits, compliance workshops, and rapid claims response to minimize business disruptions and protect your bottom line.
• Shipyards and Boat Repair Facilities: Operations along the Trinity River and area lakes need protection against worker injuries and federal liability claims.
• Marina Operators: Businesses at Lake Ray Hubbard and other local bodies of water require coverage for dock workers and maintenance staff.
• Waterfront Construction Companies: Firms involved in projects along Dallas County's waterways need USL&H coverage for employees working over or adjacent to navigable waters.
• Cargo Handling Operations: Companies managing freight at inland ports or along the Trinity River Corridor need comprehensive USL&H protection.

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

USL&H insurance in Dallas County typically costs between $2,500 to $15,000 annually, depending on various factors:
Factors like flood risks along the Trinity River or urban development near lakes can influence 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 County is a federal workers' compensation program for maritime employees. It covers workers injured on navigable waters or in adjoining areas like docks, terminals, and shipyards. This insurance is crucial for businesses operating along the Trinity River or at inland ports in Dallas County. It provides benefits for medical care, disability, and rehabilitation for eligible workers injured on the job.
Employers in Dallas County with workers engaged in maritime activities on or near navigable waters need LHWCA Insurance. This includes businesses at inland ports, along the Trinity River, or those involved in shipbuilding, repairing, or loading/unloading vessels. Even companies not directly involved in maritime work but with employees working near navigable waters may require coverage. It's essential for logistics companies, warehouses near waterways, and construction firms working on marine facilities.
LHWCA Insurance in Dallas County offers broader coverage and typically higher benefits than standard Texas workers' compensation. It covers a wider range of maritime-related injuries and provides more comprehensive long-term disability benefits. Unlike state-regulated workers' comp, LHWCA is federally administered. It also extends coverage to certain non-maritime workers in areas adjoining navigable waters, which is particularly relevant for Dallas County's inland port operations.
LHWCA Insurance in Dallas County doesn't have a set coverage limit. Benefits are based on the national average weekly wage, which is adjusted annually. As of 2023, the maximum weekly benefit is $1,862.10. Employers must provide unlimited medical benefits for work-related injuries. Death benefits are also provided, calculated at 50% of the deceased worker's average weekly wage. Dallas County employers should ensure their policy can cover these potentially significant long-term costs.
Dallas County employers can obtain LHWCA Insurance through authorized insurance carriers or by becoming self-insured. To self-insure, companies must apply to the Department of Labor and demonstrate financial capability. Most employers opt for coverage through private insurers specializing in maritime insurance. It's advisable to work with a local Dallas County insurance agent familiar with the unique aspects of the local maritime industry and inland port operations to ensure appropriate coverage.
Dallas County employers without required LHWCA Insurance face severe penalties. These include fines up to $10,000 or imprisonment up to one year, or both. Additionally, company officers may be held personally liable for benefit payments. The Department of Labor can also issue a stop-work order until coverage is obtained. Given Dallas County's growing inland port activities, local authorities are increasingly vigilant about LHWCA compliance, making proper insurance crucial for affected businesses.
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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.