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

Your Florida maritime business deserves an insurance partner who understands the unique risks of coastal operations.
• Deep understanding of Florida's maritime industry and USL&H regulations
• Expertise in navigating complex federal and state workers' compensation laws
• Tailored coverage for Florida's diverse coastal and offshore work environments
We go beyond standard USL&H coverage by offering risk management services tailored to Florida's maritime industry. Our enhanced options include safety training programs, claims management assistance, and specialized endorsements for unique coastal operations. This proactive approach helps prevent accidents while ensuring robust protection.
• Port Operators: Businesses managing Florida's bustling ports, from Miami to Jacksonville, require comprehensive USL&H coverage for dock workers, crane operators, and administrative staff working on or near navigable waters.
• Shipyards: Florida's numerous shipyards, particularly in Tampa Bay and the Panhandle, need protection for workers involved in ship repair, maintenance, and construction activities.
• Stevedoring Companies: Firms handling cargo at Florida's ports must have USL&H insurance to cover longshoremen and harbor workers engaged in loading and unloading vessels.
• Offshore Support Services: Businesses providing support to Florida's offshore oil and gas industries need USL&H coverage for workers on platforms, supply vessels, and related onshore facilities.

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

USL&H insurance in Florida typically costs between $20 to $35 per $100 of payroll. However, your specific premium depends on several factors:
Higher coverage limits, often necessary for large-scale operations in Port Canaveral, will increase overall insurance costs.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
USL&H Insurance in Florida is a federally mandated workers' compensation program for maritime employees. It covers workers engaged in maritime activities on or near navigable waters, including dock workers, ship repairers, and harbor construction workers. In Florida, with its extensive coastline and busy ports like Miami and Jacksonville, this insurance is crucial for businesses operating in maritime industries.
Florida employers whose employees work on, near, or adjacent to navigable waters must carry USL&H Insurance. This includes businesses involved in shipbuilding, ship repair, offshore oil operations, and dock work. Even if only a portion of an employee's work is maritime-related, the employer may need coverage. Florida's unique geography, with numerous ports and extensive coastline, makes this insurance essential for many businesses.
USL&H Insurance in Florida provides more comprehensive benefits than standard workers' compensation. It offers higher compensation rates, unlimited medical benefits, and broader coverage for occupational diseases. While Florida's standard workers' comp has a maximum weekly benefit of $1,197 (as of 2023), USL&H benefits can reach up to 200% of the national average weekly wage. This difference is significant for Florida's maritime workers.
USL&H Insurance in Florida covers risks unique to maritime work environments. This includes injuries from heavy machinery on docks, accidents during ship loading/unloading, and exposure to hazardous materials in shipyards. It also covers long-term conditions like hearing loss from prolonged exposure to loud machinery. Given Florida's busy ports like Port Everglades and Port Canaveral, these coverages are essential for protecting the state's maritime workforce.
USL&H Insurance rates in Florida are determined by factors such as the company's payroll, type of maritime work performed, and claims history. High-risk activities like underwater welding in Florida's offshore operations typically incur higher premiums. The state's geographical location, prone to hurricanes and tropical storms, can also influence rates. As of 2023, Florida's rates are generally in line with the national average, but can vary significantly based on specific risk factors.
Yes, Florida businesses can and often do combine USL&H Insurance with other maritime coverages. Many opt for a comprehensive maritime insurance package that includes USL&H, Jones Act coverage, and Marine Employers Liability. This is particularly relevant for businesses operating in Florida's diverse maritime environment, from cruise ship operations in Miami to cargo handling in Tampa. Such combined policies offer broader protection against the varied risks faced by Florida's maritime industry.
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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.
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