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

Tailored USL&H insurance coverage for Louisiana's maritime industry, protecting your workforce along the Gulf Coast and Mississippi River.
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Custom-tailored policies for Louisiana specific risks

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Why Us?

Why Choose TWFG Commercial in 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

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Local Expertise
With over a decade of experience serving Louisiana's maritime sector, our local experts understand the unique challenges faced by businesses along the Gulf Coast and Mississippi River. We've helped countless companies navigate the complexities of USL&H compliance, ensuring comprehensive protection for workers in shipyards, ports, and offshore facilities across the state.
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Industry Expertise
Our team of USL&H specialists maintains up-to-date certifications and continuously tracks changes in federal maritime regulations. We understand the nuances of Louisiana's maritime industry, from offshore oil and gas operations to bustling ports in New Orleans and Lake Charles. This ensures your USL&H policy provides complete protection against industry-specific risks.
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Beyond Basic Coverage

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.

Ideal For

Who needs U.S. Longshore and Harbor Workers' Compensation Act Insurance in Louisiana?

• 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.

Louisiana's extensive coastline and strategic location on the Gulf of Mexico make it a hub for maritime commerce, necessitating robust USL&H insurance coverage. From the bustling Port of New Orleans to the expansive offshore oil fields, Louisiana's maritime workforce faces unique challenges and risks. For instance, longshoremen in Lake Charles must contend with heavy cargo handling and potential tropical storm disruptions, while shipyard workers in Avondale face risks associated with welding and heavy machinery. Securing comprehensive USL&H insurance isn't just a legal requirement—it's essential for protecting your business and employees in Louisiana's dynamic maritime environment. Contact our Louisiana office today to ensure your coverage meets federal requirements and addresses local industry risks.
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Get Personalised Advice from Louisiana Insurance Experts

Let our local experts analyze your current coverage and identify potential gaps or savings for your business.

U.S. Longshore and Harbor Workers' Compensation Act Insurance Coverage Details

Comprehensive USL&H protection for Louisiana's maritime workforce, addressing unique Gulf Coast risks and federal requirements.

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Comprehensive USL&H Coverage Explained

Our Louisiana USL&H insurance provides robust protection for maritime workers, covering:
• Medical Expenses: Full coverage for work-related injuries and illnesses
• Disability Benefits: Compensation for temporary and permanent disabilities
• Death Benefits: Financial support for families of workers killed on the job
• Rehabilitation Services: Coverage for vocational rehabilitation to help injured workers return to employment

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Industry-Specific Risks in Louisiana

Louisiana's maritime industry faces unique challenges requiring specialized coverage:
• Gulf Coast Weather Risks: Protection against injuries from hurricanes and severe storms
• Offshore Oil and Gas Hazards: Coverage for accidents related to platform work and vessel transfers
• Mississippi River Operations: Protection for longshoremen working in high-traffic port environments
• Shipyard Risks: Coverage for injuries related to welding, heavy lifting, and machinery accidents

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Federal USL&H Requirements for Louisiana

USL&H insurance in Louisiana must comply with federal regulations:
• Coverage is mandatory for maritime employees working on navigable waters or in adjoining areas
• Employers must display official USL&H posters in the workplace
• Specific reporting requirements for work-related injuries and illnesses
• Compliance with federal compensation rates and benefit calculations
Our team ensures your policy meets all Department of Labor requirements.

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Enhanced Coverage Options for Louisiana Maritime Employers

Enhance your Louisiana USL&H coverage with these critical additions:
• Jones Act Coverage: Protection for seamen who may not qualify under USL&H
• Maritime Employer's Liability: Additional coverage for claims outside USL&H jurisdiction
• Longshore Legal Liability: Protection against third-party claims for vessel damage
• Gulf of Mexico Extension: Expanded coverage for offshore workers beyond territorial waters

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Considerations for Local Businesses in Louisiana

Louisiana's maritime industry operates under both federal USL&H regulations and state-specific guidelines. The Louisiana Workforce Commission provides additional oversight for maritime employers. In 2022, Louisiana reported over 3,000 USL&H claims, with an average cost of $65,000 per claim. The state's offshore oil and gas sector accounts for 40% of USL&H claims, followed by port operations (30%) and shipyards (20%). Louisiana's maritime industry contributes over $11 billion annually to the state economy, employing more than 100,000 workers. The Port of South Louisiana, stretching along the Mississippi River, is the largest tonnage port in the Western Hemisphere, handling over 500 million tons of cargo annually. Climate change has increased the frequency of severe weather events, with the Gulf Coast experiencing a 20% rise in named storms over the past decade, elevating risks for maritime workers.
Expertise

How much does U.S. Longshore and Harbor Workers' Compensation Act Insurance cost in Louisiana?

USL&H insurance in Louisiana typically costs between $20 to $35 per $100 of payroll. However, individual premiums vary based on several factors:

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1
Nature of Work
High-risk activities like offshore platform work or deep-sea diving operations in the Gulf of Mexico can significantly increase premiums.
2
Company Safety Record
Businesses with strong safety programs and low claim histories in Louisiana ports may qualify for lower rates.
3
Payroll Size
Larger maritime employers in Louisiana often benefit from economies of scale, potentially reducing per-employee costs.
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Geographic Location
Operations in high-risk areas like offshore Gulf platforms or hurricane-prone coastal regions may face higher premiums.
5
Coverage Limits

Higher coverage limits for large-scale operations, such as major shipyards in New Orleans, will increase overall insurance costs.

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Frequently Asked Questions

Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.

What is the U.S. Longshore and Harbor Workers' Compensation Act (LHWCA) in Louisiana?
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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.

Who is required to have LHWCA insurance coverage in Louisiana?
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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.

How does LHWCA insurance differ from standard workers' compensation in Louisiana?
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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.

What are the penalties for non-compliance with LHWCA insurance requirements in Louisiana?
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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.

How are LHWCA insurance rates determined for Louisiana businesses?
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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.

Can Louisiana businesses obtain LHWCA coverage through the state insurance fund?
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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.



Join the hundreds of businesses who trust us with their most critical insurance needs.

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