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

Protect your maritime workforce with specialized USL&H coverage tailored for Texas' bustling ports and offshore operations.
Benefits Single Icon
Instant quote available
Benefits Single Icon

Custom-tailored policies for Texas specific risks

Benefits Single Icon
Emergency contact number
Benefits Single Icon
24/7 Claims
Why Us?

Why Choose TWFG Commercial in Texas?

Texas maritime businesses need a partner who understands the unique risks of Gulf Coast operations.

• Deep expertise in Texas maritime law and USL&H regulations
• Customized coverage for Gulf Coast port operations and offshore risks
• Dedicated claims support from Texas-based maritime insurance specialists

Card Icon
Local Expertise
With over 20 years serving Texas' maritime industry, our local experts intimately understand the unique challenges faced by businesses operating in Houston, Galveston, Corpus Christi, and other major Texas ports. We provide tailored USL&H solutions that fully comply with federal regulations while addressing Texas-specific maritime risks.
Card Icon
Industry Expertise
Our team includes certified marine insurance professionals with extensive experience in USL&H coverage. We stay current on federal maritime laws and Texas port regulations, ensuring your policy provides comprehensive protection against industry-specific risks, from dock injuries to offshore accidents.
Card Icon
Beyond Basic Coverage

We go beyond standard USL&H coverage with value-added services like site-specific risk assessments, safety training programs tailored for Texas port operations, and 24/7 claims support. Our proactive approach helps prevent workplace incidents while ensuring robust protection when accidents occur.

Ideal For

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

• Port Operations: Stevedoring companies, terminal operators, and longshoremen working in major Texas ports like Houston and Corpus Christi require USL&H coverage for dock-related injuries.
• Offshore Service Providers: Companies supporting Texas' offshore oil and gas industry need USL&H insurance for workers on drilling platforms and supply vessels.
• Shipyards and Repair Facilities: Texas Gulf Coast shipyards and repair facilities must have USL&H coverage for workers involved in ship construction and maintenance.
• Marine Construction Companies: Businesses engaged in Texas coastal construction projects, such as pier building or dredging operations, require USL&H insurance for their maritime workers.

Texas' 367-mile Gulf Coast is home to some of the nation's busiest ports and a thriving offshore industry, making USL&H insurance critical for many businesses. The Port of Houston alone handles over 200 million tons of cargo annually, while Texas leads the nation in offshore oil production. These industries face unique risks, from heavy machinery accidents at container terminals to offshore platform incidents during hurricane season. Securing comprehensive USL&H coverage isn't just about compliance—it's essential for protecting your business and employees in Texas' dynamic maritime environment. Contact our Texas office today to ensure your coverage meets both federal requirements and local industry needs.
Get a Quote
Audience Image

Get Personalised Advice from Texas 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 protection for Texas maritime workers, addressing unique Gulf Coast risks and federal requirements.

Card Icon
Core USL&H Coverage Explained

Our Texas USL&H insurance provides essential coverage for maritime workers, including:
• Medical Benefits: Full coverage for work-related injuries and illnesses
• Disability Compensation: Payments for temporary or permanent disabilities
Rehabilitation Services: Support for workers returning to employment
• Death Benefits: Financial protection for dependents in case of work-related fatalities

Card Icon
Texas Maritime Industry Risks

Texas maritime operations face unique challenges requiring specialized coverage:
• Hurricane Risks: Protection against storm-related injuries and business interruptions
• Offshore Hazards: Coverage for accidents on oil rigs and supply vessels in the Gulf
• Port Equipment Injuries: Protection for incidents involving cranes, forklifts, and other heavy machinery
• Chemical Exposure: Coverage for workers handling hazardous materials in Texas ports

Card Icon
Federal and Texas USL&H Requirements

USL&H insurance must comply with federal regulations and Texas state laws:
• Mandatory Coverage: Required for maritime workers on navigable waters or adjoining areas
• Benefit Levels: Adherence to federally mandated compensation rates
• Reporting Requirements: Compliance with Texas and federal incident reporting timelines
• Safety Standards: Meeting OSHA maritime safety regulations and Texas port authority guidelines

Card Icon
Enhanced Coverage Options for Texas Maritime Businesses

Enhance your Texas maritime business protection with:
• Jones Act Coverage: Additional protection for seamen working on vessels
• Maritime Employer's Liability: Extended coverage for non-USL&H claims
• Terrorism Risk Insurance: Critical for major Texas ports considered high-value targets
• Environmental Liability: Protection against oil spills and other environmental incidents in Gulf waters

Arrow Icon
Arrow Icon
Business image

Considerations for Local Businesses in Texas

Texas maritime businesses must navigate complex federal and state regulations. The Texas Department of Insurance provides guidance on USL&H compliance, while major ports like Houston have additional safety requirements. In 2022, Texas reported over 1,500 USL&H claims, with an average cost of $65,000 per claim. The Texas maritime industry contributes over $150 billion annually to the state economy, with the Port of Houston alone supporting over 1.35 million jobs statewide. Offshore operations in the Gulf of Mexico face unique risks, with an average of 3-5 named storms affecting the Texas coast each hurricane season. The expansion of the Houston Ship Channel, set to complete in 2025, is expected to increase cargo volume by 15%, potentially leading to higher workplace accident rates without proper safety measures.
Expertise

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

USL&H insurance in Texas typically costs between $2,000 to $25,000 annually per employee, depending on several factors:

Speak with an Agent
1
Job Classification
High-risk roles like offshore workers or heavy machinery operators in Texas ports face higher premiums due to increased accident potential.
2
Company Safety Record
Businesses with strong safety programs and low claim histories in Texas maritime operations often qualify for lower rates.
3
Payroll Size
Larger Texas maritime companies with higher payrolls typically face higher overall premiums but may benefit from economies of scale.
4
Location Specific Risks
Operations in high-risk areas, such as offshore Gulf platforms or busy Texas ports, may incur higher premiums due to increased exposure.
5
Coverage Limits and Deductibles

Higher coverage limits increase premiums, while higher deductibles can lower costs. Texas businesses must balance protection and affordability.

Support

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 (USL&H) insurance in Texas?
+
-

USL&H insurance in Texas is a federally mandated workers' compensation program for maritime employees. It covers workers engaged in maritime activities on or near navigable waters, including ports, harbors, and offshore platforms along the Texas Gulf Coast. This insurance provides benefits for work-related injuries, illnesses, and deaths, offering broader coverage than standard Texas workers' compensation policies for maritime risks.

Who needs USL&H insurance coverage in Texas?
+
-

Texas employers with workers performing maritime-related duties on, near, or adjacent to navigable waters need USL&H insurance. This includes longshoremen, harbor workers, ship repairers, and offshore oil rig workers. Even businesses not primarily maritime-focused may need coverage if employees occasionally work on docks or vessels. Key Texas locations requiring coverage include the ports of Houston, Galveston, Corpus Christi, and Beaumont.

How does USL&H insurance differ from standard Texas workers' compensation?
+
-

USL&H insurance in Texas offers more comprehensive benefits than standard workers' compensation. It provides higher compensation rates, unlimited medical benefits, and greater disability payments. Unlike Texas workers' compensation, which is optional for most employers, USL&H is mandatory for eligible maritime employers. It also covers a broader range of maritime-related injuries and occupational diseases specific to the coastal and offshore work environments in Texas.

What are the penalties for non-compliance with USL&H insurance requirements in Texas?
+
-

Texas employers failing to comply with USL&H insurance requirements face severe penalties. These include fines up to $10,000 or imprisonment up to one year, or both. Additionally, non-compliant employers may be liable for a penalty of $1,000 per day of non-compliance. In Texas, where maritime activities are crucial to the economy, authorities strictly enforce these regulations, particularly in major port areas like Houston and Galveston.

How are USL&H insurance premiums calculated for Texas businesses?
+
-

USL&H insurance premiums in Texas are calculated based on several factors: the nature of work performed, payroll size, claims history, and safety measures implemented. Texas's unique maritime risks, such as hurricane exposure and offshore oil operations, can influence rates. Premiums are typically higher than standard workers' compensation due to increased maritime risks. Texas businesses can often lower premiums by implementing robust safety programs and maintaining good claims records.

Can Texas businesses have both USL&H and state workers' compensation insurance?
+
-

Yes, Texas businesses can and often need both USL&H and state workers' compensation insurance. This is common for companies with both land-based and maritime operations. For instance, a company in the Port of Houston might need USL&H for dock workers and standard Texas workers' compensation for office staff. Some insurers offer 'wrap-up' policies that combine both coverages, simplifying insurance management for Texas employers with diverse workforce locations and duties.

Start Your Coverage Today

Join hundreds of Texas businesses who trust us with their U.S. Longshore and Harbor Workers' Compensation Act Insurance - it only takes minutes to begin.

Get Started

Request a Free Quote

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.

Ready for the next step?
Call us at +1 (713) 388-6681 or fill the form.

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.