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

Let our local experts analyze your current coverage and identify potential gaps or savings for your business.
Comprehensive protection for Texas maritime workers, addressing unique Gulf Coast risks and federal requirements.

USL&H insurance in Texas typically costs between $2,000 to $25,000 annually per employee, depending on several factors:
Higher coverage limits increase premiums, while higher deductibles can lower costs. Texas businesses must balance protection and affordability.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
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.
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.
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.
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.
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.
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.
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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.