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

Plano businesses deserve a partner who understands local maritime risks and federal regulations.
• Deep understanding of Plano's maritime-adjacent industries
• Expert knowledge of federal USL&H regulations and Texas state laws
• Customized coverage for Plano's unique waterfront-related business risks
We go beyond basic USL&H coverage with premium risk management services. Our enhanced options include quarterly safety assessments and specialized endorsements customized for Plano's unique business environment. This proactive approach helps prevent claims while ensuring complete protection for your maritime-adjacent operations.
• Waterway Construction Firms: Companies involved in projects along Plano's creeks and lakes need protection against worker injuries and federal liability.
• Warehouse and Logistics Operations: Businesses near navigable waterways require USL&H coverage for workers involved in loading, unloading, and related activities.
• Maintenance and Repair Services: Companies servicing maritime equipment or structures, even inland, must have USL&H insurance for worker protection.
• Technology and Manufacturing: Plano's tech firms producing maritime-related equipment or software may need USL&H coverage for certain employees.

Let our local experts analyze your current coverage and identify potential gaps or savings for your business.
Comprehensive protection for Plano businesses, addressing federal maritime regulations and local industry needs.

USL&H insurance costs in Plano average around $2,500 annually per employee; however, individual premiums vary based on several factors:
Implementing robust safety programs and risk mitigation strategies can lead to premium discounts for Plano businesses.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
LHWCA insurance is a federal workers' compensation program specifically designed for maritime employees in Plano and across the U.S. It covers employees working on navigable waters or in adjoining areas like docks, terminals, and shipyards. This insurance provides medical benefits, disability compensation, and rehabilitation services for workers injured on the job. In Plano, businesses near Lake Lavon or other waterways may require this coverage for their maritime-related operations.
In Plano, employers engaged in maritime activities on navigable waters or adjoining areas must have LHWCA insurance. This includes businesses involved in shipbuilding, ship repair, loading/unloading vessels, and offshore oil and gas operations. While Plano is inland, companies working on projects at nearby lakes or rivers, or those with employees traveling to coastal areas for work, may need this coverage. Texas state law mandates compliance with federal LHWCA requirements for eligible employers.
LHWCA insurance in Plano offers more comprehensive benefits than standard Texas workers' compensation. It typically provides higher compensation rates, with benefits up to 66.67% of the worker's average weekly wage, compared to the state's 70% but with a lower cap. LHWCA also offers lifetime medical benefits for work-related injuries, whereas Texas workers' comp may have limitations. Additionally, LHWCA allows workers to sue third parties for negligence, which is often restricted under standard workers' comp.
While Plano is not a coastal city, certain activities may still require LHWCA insurance. These could include maintenance or construction work on bridges over navigable waters, operations at inland ports or marinas on Lake Lavon, and businesses supplying or servicing maritime industries. Additionally, Plano-based companies with employees who occasionally work in coastal areas of Texas or offshore might need this coverage. It's crucial for Plano businesses to assess their maritime exposure and consult with a local insurance expert.
To obtain LHWCA insurance in Plano, contact a licensed insurance provider specializing in maritime coverage. They will assess your business operations and determine if you need this specific insurance. You'll need to provide details about your workforce, payroll, and maritime activities. In Texas, you can also explore options through the Texas Mutual Insurance Company, which offers LHWCA coverage. Ensure your provider is authorized by the U.S. Department of Labor to write LHWCA policies in Texas.
Non-compliance with LHWCA insurance requirements in Plano can result in severe penalties. Employers may face fines up to $10,000 or imprisonment up to one year, or both. Additionally, company officers may be held personally liable for compensation and penalties. In Texas, the state's Division of Workers' Compensation also enforces these federal requirements. Plano businesses found in violation may face additional state penalties, including stop-work orders and potential loss of contracts with government entities or large corporations requiring LHWCA compliance.
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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.