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

Your Harris County maritime business deserves a partner who understands local waterfront risks and federal regulations.
• Deep understanding of Harris County's maritime industry and Port of Houston operations
• Expert knowledge of federal USL&H Act requirements and Texas state regulations
• Customized coverage for unique risks faced by Harris County's longshore and harbor workers
We go beyond standard USL&H coverage by offering risk management services tailored to Harris County's maritime sector. This includes safety training programs specific to Port of Houston operations, claims management assistance, and proactive policy reviews to identify potential coverage gaps unique to your Harris County maritime business.
• Stevedoring Companies: Firms handling cargo at the Port of Houston need robust coverage for workers exposed to heavy machinery and cargo-related risks.
• Ship Repair and Maintenance: Businesses servicing vessels in Harris County shipyards require protection against unique hazards associated with ship repair and maintenance.
• Marine Construction: Companies involved in building or repairing piers, wharves, and other marine structures along Harris County's waterways need specialized coverage.
• Offshore Supply Companies: Businesses supporting offshore oil and gas operations from Harris County ports must protect workers involved in loading and unloading vessels.

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

USL&H insurance costs in Harris County typically range from $20 to $35 per $100 of payroll, but several factors influence individual premiums:
Higher coverage limits, while providing greater protection for your Harris County maritime business, will increase premium costs. It's crucial to balance adequate coverage with budget considerations.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
USL&H Insurance is a federally mandated workers' compensation program specifically for maritime employees in Harris County and across the U.S. It covers workers engaged in maritime activities on or near navigable waters, including longshoremen, harbor workers, and shipyard employees. This insurance provides medical benefits, disability compensation, and rehabilitation services for work-related injuries or illnesses.
In Harris County, businesses operating near or on navigable waters, such as the Houston Ship Channel or Galveston Bay, typically require USL&H Insurance. This includes shipyards, marine terminals, offshore oil rig suppliers, and companies involved in loading/unloading vessels. Even businesses not directly on the water may need coverage if their employees occasionally work in maritime settings.
USL&H Insurance offers more comprehensive benefits than Texas state workers' compensation. It provides higher compensation rates, unlimited medical benefits, and broader coverage for occupational diseases. Unlike Texas state workers' comp, which is optional for employers, USL&H is mandatory for qualifying maritime businesses in Harris County. It also has different claim procedures and is administered federally rather than by state agencies.
USL&H Insurance in Harris County doesn't have standard coverage limits like other insurance types. Instead, it provides benefits based on the worker's average weekly wage and the nature of the injury. For example, temporary total disability benefits are two-thirds of the worker's average weekly wage. Death benefits can be up to 66.67% of the deceased worker's average weekly wage, paid to eligible survivors.
To obtain USL&H Insurance in Harris County, contact a licensed insurance provider specializing in maritime coverage. Given the complex nature of maritime operations in the Houston area, it's advisable to work with an agent familiar with local industries and risks. They'll assess your business operations, determine coverage needs, and provide a quote. You'll need to provide detailed information about your workforce and maritime activities.
Several factors influence USL&H Insurance premiums in Harris County. These include the nature of maritime work (e.g., offshore vs. onshore), number of employees, payroll size, claims history, and safety measures implemented. The specific risks associated with Harris County's maritime industry, such as exposure to petrochemicals or hurricane risks, can also impact rates. Implementing robust safety programs and maintaining a good claims record can help reduce premiums over time.
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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.