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

Your South Carolina maritime business deserves a partner who understands local waterfront risks and federal regulations.
• Deep understanding of South Carolina's maritime industry and USL&H requirements
• Expert knowledge of federal regulations and state-specific maritime laws
• Customized coverage for South Carolina's unique coastal and inland waterway risks
We go beyond basic USL&H coverage with premium risk management services tailored for South Carolina's maritime sector. Our enhanced coverage options include quarterly safety assessments and specialized endorsements customized for your specific maritime operations. This proactive approach helps prevent claims while ensuring complete protection for your South Carolina waterfront workforce.
• Port Operations: Stevedoring companies, longshoremen, and harbor workers in Charleston, Georgetown, and Port Royal need comprehensive USL&H coverage for loading/unloading operations and related risks.
• Shipyards: South Carolina's shipbuilding and repair facilities, particularly in North Charleston and Yonges Island, require robust USL&H protection for workers involved in vessel construction and maintenance.
• Marine Construction: Companies engaged in pier, wharf, and dock construction along South Carolina's coast and inland waterways need USL&H coverage for their employees working over or adjacent to navigable waters.
• Offshore Operations: Businesses involved in offshore wind energy projects or other maritime activities off South Carolina's coast must secure USL&H insurance for workers on platforms or vessels.

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

USL&H insurance in South Carolina typically costs between $20 to $35 per $100 of payroll. However, individual premiums vary based on several factors:
Coastal operations in areas like Charleston or Georgetown may see higher rates due to increased hurricane and flooding risks.
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 law that provides compensation and medical care to maritime workers injured on navigable waters or adjoining areas in South Carolina. It covers longshoremen, harbor workers, and other maritime employees working on docks, piers, and terminals along South Carolina's coast, including major ports like Charleston and Georgetown. This act ensures broader coverage than standard workers' compensation for maritime-related injuries.
In South Carolina, employers engaged in maritime activities on or near navigable waters need LHWCA insurance. This includes companies involved in loading/unloading vessels, ship repair, shipbuilding, and offshore operations. Specific businesses requiring coverage are stevedoring companies, marine terminals, and shipyards in areas like Port Royal, North Charleston, and along the Intracoastal Waterway. Even some non-maritime employers working near water may need this coverage.
LHWCA insurance in South Carolina offers more comprehensive benefits than standard workers' compensation. It provides higher compensation rates, unlimited medical benefits, and vocational rehabilitation services. Unlike state workers' comp, LHWCA is a federal program with consistent benefits across states. It also covers a broader range of maritime-related injuries and occupational diseases specific to port and shipyard environments in South Carolina.
LHWCA insurance in South Carolina provides extensive benefits to injured maritime workers. These include medical treatment coverage with no time or monetary limits, disability compensation at 66.67% of the worker's average weekly wage, vocational rehabilitation services, and death benefits for surviving dependents. For South Carolina's maritime workers, this can mean access to specialized medical care in cities like Charleston or even out-of-state if necessary.
To obtain LHWCA insurance in South Carolina, contact an insurance provider specializing in maritime coverage. Many major insurers offer LHWCA policies, as do some South Carolina-based agencies familiar with local maritime industries. You'll need to provide details about your business operations, number of employees, and payroll. Rates may vary based on your company's safety record and the specific risks associated with South Carolina's ports and waterways.
Penalties for lacking LHWCA insurance in South Carolina can be severe. Employers may face fines up to $10,000 or imprisonment up to one year, or both. They're also liable for a civil penalty of $1,000 per day of noncompliance. Additionally, non-compliant employers lose common law defenses in lawsuits and may be subject to employee lawsuits with no liability caps. In South Carolina's busy maritime sector, these penalties can quickly become financially devastating for businesses.
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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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