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

Louisiana's maritime businesses deserve an insurance partner who understands the unique risks of Gulf Coast operations.
• Deep understanding of Louisiana's maritime industry and USL&H regulations
• Expertise in navigating complex federal and state workers' compensation laws
• Customized coverage for Louisiana's diverse maritime workforce
We go beyond basic USL&H coverage with premium risk management services tailored to Louisiana's maritime sector. Our enhanced options include safety training programs for longshoremen, customized claims management, and specialized endorsements for unique Gulf Coast operations. This proactive approach helps prevent accidents while ensuring comprehensive worker protection.
• Port Operations: Stevedoring companies, terminal operators, and cargo handling facilities in major Louisiana ports like New Orleans and Baton Rouge require USL&H coverage for workers engaged in maritime activities.
• Shipbuilding and Repair: Louisiana's shipyards along the Gulf Coast, including those in Morgan City and Houma, need comprehensive USL&H protection for employees working on vessel construction and maintenance.
• Offshore Support Services: Companies providing services to Louisiana's offshore oil and gas industry, such as supply vessels and platform support, must have USL&H coverage for crew members working on navigable waters.
• Marine Construction: Businesses involved in projects like dock building, dredging, or offshore platform construction along Louisiana's coastline require USL&H insurance for workers exposed to maritime risks.

Let our local experts analyze your current coverage and identify potential gaps or savings for your business.
Comprehensive USL&H protection for Louisiana's maritime workforce, addressing unique Gulf Coast risks and federal requirements.

USL&H insurance in Louisiana typically costs between $20 to $35 per $100 of payroll. However, individual premiums vary based on several factors:
Higher coverage limits for large-scale operations, such as major shipyards in New Orleans, 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.
The LHWCA is a federal workers' compensation program that covers maritime workers in Louisiana who are injured or become ill on navigable waters or in adjoining areas like docks, wharves, and terminals. It provides medical care, disability payments, and rehabilitation services to eligible workers. In Louisiana, this coverage is crucial due to the state's extensive coastline and numerous ports, including the Port of New Orleans and Port of South Louisiana.
Employers in Louisiana whose employees work on, near, or adjacent to navigable waters must carry LHWCA insurance. This includes companies involved in shipbuilding, ship repair, offshore oil and gas operations, and cargo handling at ports. Even businesses not primarily maritime-focused may need coverage if employees occasionally work in these areas. Louisiana's unique geography, with its Mississippi River access and Gulf Coast, makes this coverage essential for many local businesses.
LHWCA insurance in Louisiana typically provides more comprehensive benefits than standard workers' compensation. It offers higher compensation rates, unlimited medical benefits, and potential additional compensation for specific injuries. Unlike Louisiana's state workers' comp system, LHWCA is federally administered. It also covers a broader range of maritime-related occupations and extends to injuries occurring on navigable waters, which is particularly relevant given Louisiana's extensive waterways and coastal areas.
Penalties for non-compliance in Louisiana can be severe. Employers may face fines up to $10,000 or imprisonment up to one year, or both. They might also be liable for a penalty of $1,000 per day of non-compliance. Additionally, non-compliant employers lose common law defenses in employee lawsuits. Given Louisiana's significant maritime industry, including major ports and offshore operations, authorities are particularly vigilant about enforcement to protect the large workforce in these sectors.
LHWCA insurance rates in Louisiana are determined based on several factors including the company's payroll, type of maritime work performed, and claims history. High-risk activities like offshore oil rig work or deep-sea diving typically incur higher premiums. Louisiana's unique risks, such as hurricane exposure and the prevalence of high-risk industries like oil and gas, can impact rates. Insurers also consider the employer's safety programs and OSHA compliance record when setting premiums.
No, Louisiana businesses cannot obtain LHWCA coverage through the state insurance fund. LHWCA is a federal program, and coverage must be purchased from private insurance carriers authorized to write LHWCA policies or through self-insurance if the employer meets federal requirements. In Louisiana, given the state's significant maritime industry, many insurance providers specialize in LHWCA coverage. Employers should consult with insurance agents familiar with Louisiana's maritime sector to find appropriate coverage options.
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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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