U.S. Longshore and Harbor Workers' Compensation Act Insurance North Carolina

Your North Carolina maritime business deserves protection from experts who understand local coastal risks and federal regulations.
• Deep understanding of North Carolina's maritime industry and coastal operations
• Expert knowledge of federal USL&H regulations and state-specific requirements
• Customized coverage for North Carolina's unique maritime risks and challenges
We go beyond basic USL&H coverage with premium risk management services tailored to North Carolina's maritime sector. Our enhanced options include specialized safety training programs, quarterly risk assessments, and custom endorsements for specific maritime operations. This proactive approach helps prevent claims while ensuring comprehensive protection.
• Shipyards and Boat Builders: Operations in coastal cities like Wilmington and Morehead City require comprehensive USL&H coverage for workers involved in vessel construction and repair.
• Port and Harbor Operations: Businesses at major ports like Port of Wilmington need protection for longshoremen, stevedores, and other harbor workers.
• Offshore Wind Energy Companies: With North Carolina's growing offshore wind industry, companies need specialized USL&H coverage for workers on offshore installations.
• Commercial Fishing Operations: Fish processing plants and large-scale fishing operations along the Outer Banks and coastal regions require USL&H insurance for dock workers and onshore processing staff.

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

USL&H insurance in North Carolina typically costs between $2,000 to $5,000 per employee annually. However, individual premiums vary based on several factors:
Businesses in hurricane-prone areas along the Outer Banks may face higher premiums due to increased weather-related risks.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
LHWCA insurance in North Carolina is a federal workers' compensation program that covers maritime employees working on or near navigable waters. It specifically applies to workers in North Carolina's coastal areas, including ports like Wilmington and Morehead City. This insurance provides benefits for work-related injuries or illnesses, including medical care, disability compensation, and rehabilitation services for eligible maritime workers.
In North Carolina, employers engaged in maritime activities on or adjacent to navigable waters must carry LHWCA insurance. This includes businesses operating in shipyards, marine terminals, and offshore platforms along the North Carolina coast. Covered occupations include longshoremen, harbor workers, ship repairers, and other maritime workers. Even small businesses with just one eligible employee must comply with LHWCA requirements in North Carolina.
LHWCA insurance offers more comprehensive benefits than North Carolina's standard workers' compensation. It typically provides higher compensation rates, unlimited medical benefits, and broader coverage for occupational diseases. While North Carolina workers' comp is state-regulated, LHWCA is a federal program with consistent benefits across states. LHWCA also covers a specific group of maritime workers, unlike the broader scope of state workers' compensation.
LHWCA insurance in North Carolina provides extensive benefits to injured maritime workers. These include medical treatment coverage with no time or monetary limits, disability compensation at 66 2/3% of the worker's average weekly wage, vocational rehabilitation services, and death benefits for surviving dependents. For North Carolina workers, LHWCA often offers higher compensation rates compared to state workers' comp, especially for high-wage earners in the maritime industry.
North Carolina employers can obtain LHWCA insurance through authorized insurance carriers or by becoming self-insured. The North Carolina Department of Insurance maintains a list of approved LHWCA insurers. Large companies with strong financial standing may opt for self-insurance, subject to approval by the U.S. Department of Labor. Employers should consult with insurance brokers specializing in maritime coverage to find suitable policies for their specific North Carolina operations.
Non-compliance with LHWCA insurance requirements in North Carolina can result in severe penalties. Employers may face fines up to $10,000 or imprisonment up to one year, or both. Additionally, company officers can be held personally liable for compensation and penalties. In North Carolina, where maritime activities are crucial to the economy, strict enforcement ensures worker protection. Employers may also face civil lawsuits from injured workers if they fail to maintain proper LHWCA coverage.
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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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