U.S. Longshore and Harbor Workers' Compensation Act Insurance Tarrant County

Your Tarrant County maritime business deserves an insurance partner who understands local waterway operations and federal regulations.
• Deep understanding of Tarrant County's unique maritime landscape and risks
• Expert knowledge of LHWCA regulations and compliance requirements
• Customized coverage for specific maritime operations in North Texas
We go beyond basic LHWCA coverage with premium risk management services tailored to Tarrant County's maritime sector. Our enhanced options include quarterly safety assessments, specialized endorsements for inland waterway operations, and proactive claims management. This comprehensive approach helps prevent workplace incidents while ensuring maximum protection for your business and employees.
• Shipyard Operations: Businesses involved in ship repair, maintenance, or construction along the Trinity River require LHWCA coverage for workers exposed to maritime hazards.
• Stevedoring Companies: Firms handling cargo at Tarrant County's inland ports need robust LHWCA protection for their longshoremen and dock workers.
• Marine Terminal Operators: Companies managing facilities for loading, unloading, and storing maritime cargo must secure LHWCA insurance for their workforce.
• Marine Construction Firms: Businesses engaged in constructing piers, wharves, or other maritime structures in Tarrant County's waterways need comprehensive LHWCA coverage.

Let our local experts analyze your current coverage and identify potential gaps or savings for your business.
Comprehensive LHWCA protection for Tarrant County maritime businesses, addressing local operational risks and federal compliance requirements.

LHWCA insurance costs in Tarrant County average around $25 per $100 of payroll annually. However, individual premiums vary based on several factors:
Unique risks associated with Tarrant County's inland waterways and port facilities may influence insurance costs compared to coastal regions.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
The LHWCA insurance is a federal workers' compensation program specifically designed for maritime workers in Tarrant County 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 Tarrant County, with its proximity to the Trinity River, this coverage is crucial for businesses involved in maritime activities.
In Tarrant County, businesses that require LHWCA insurance include those involved in maritime activities along the Trinity River and its connected waterways. This encompasses shipyards, marine terminals, and companies engaged in loading/unloading vessels. Even businesses not directly on the water, but performing maritime-related work, may need coverage. For instance, a warehouse near the river handling imported goods could require LHWCA insurance. It's essential for Tarrant County employers to assess their specific operations and consult with a local insurance expert.
LHWCA insurance offers more comprehensive benefits than standard Texas workers' compensation. It typically provides higher compensation rates, with benefits up to 66 2/3% of the worker's average weekly wage, compared to Texas state workers' comp, which caps at 70% but with lower maximum limits. LHWCA also offers lifetime medical benefits for work-related injuries, whereas Texas state benefits may be more limited. In Tarrant County, businesses must carefully evaluate their operations to determine which coverage is required or most appropriate.
Failing to carry required LHWCA insurance in Tarrant County can result in severe penalties. Employers may face fines of up to $10,000 or imprisonment for up to one year, or both. Additionally, company officers can be held personally liable for compensation and penalties. In Tarrant County, where maritime activities along the Trinity River are significant, compliance is strictly enforced. Employers may also face civil lawsuits from injured workers, potentially leading to much higher costs than the insurance premiums.
LHWCA insurance rates for Tarrant County businesses are determined based on several factors. These include the company's payroll, type of maritime work performed, claims history, and safety record. The National Council on Compensation Insurance (NCCI) provides base rates, which are then adjusted for each business. Tarrant County's specific maritime risks, such as those associated with the Trinity River's commercial activities, may influence rates. Implementing robust safety programs and maintaining a good claims history can help Tarrant County businesses secure more favorable rates.
Yes, Tarrant County businesses can obtain extensions to their LHWCA coverage for overseas work through the Defense Base Act (DBA). This is crucial for local companies contracting with the U.S. government for work on overseas military bases or public works projects. The DBA extends LHWCA protections to these workers. Given Tarrant County's proximity to major defense contractors and international business hubs, this extension can be particularly relevant. Businesses should consult with specialized insurance providers familiar with both LHWCA and DBA requirements.
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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.