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

Specialized coverage for maritime workers in Travis County, ensuring compliance with federal regulations while protecting your business and employees.
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Custom-tailored policies for Travis County specific risks

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Why Us?

Why Choose TWFG Commercial in Travis County?

Your Travis County maritime business deserves a partner who understands local waterway risks and federal regulations.

• Deep understanding of Travis County's unique maritime industry needs
• Expert knowledge of federal LHWCA regulations and local compliance requirements
• Customized coverage for Travis County's specific maritime risks and operations

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Local Expertise
Serving Travis County businesses since 2001, our local insurance experts have an intimate understanding of the unique maritime operations along the Colorado River and Lake Travis. We deliver tailored LHWCA insurance solutions that fully comply with federal regulations while addressing the specific needs of Travis County's diverse maritime workforce.
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Industry Expertise
Our licensed insurance professionals specialize in U.S. Longshore and Harbor Workers' Compensation Act coverage for various maritime operations. We maintain up-to-date certifications and continuously track evolving federal regulations. This ensures your LHWCA policy provides comprehensive protection for your Travis County maritime employees.
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Beyond Basic Coverage

We go beyond basic LHWCA coverage with premium risk management services tailored for Travis County maritime operations. Our enhanced coverage options include specialized safety training programs and proactive claims management. This comprehensive approach helps prevent workplace incidents while ensuring prompt and fair resolution of claims.

Ideal For

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

• Marinas and Boat Yards: Facilities along Lake Travis and the Colorado River need LHWCA coverage for employees involved in boat repair, maintenance, and storage.
• Dock and Pier Construction Companies: Businesses engaged in building and repairing waterfront structures require protection against workplace injuries under LHWCA.
• Waterfront Cargo Handling Operations: Companies involved in loading and unloading vessels on navigable waters in Travis County must have LHWCA insurance.
• Commercial Diving Services: Diving companies operating in Travis County's waters need comprehensive LHWCA coverage for their underwater workers.

Travis County's unique geography, with Lake Travis and the Colorado River, creates a diverse maritime industry requiring specialized insurance coverage. The U.S. Longshore and Harbor Workers' Compensation Act (LHWCA) provides essential protection for maritime workers not covered by standard workers' compensation or maritime law. For instance, marina operators on Lake Travis must navigate complex federal regulations while managing seasonal fluctuations in business. Similarly, dock construction companies working along the Colorado River face unique safety challenges and liability risks. Securing comprehensive LHWCA insurance isn't just about compliance—it's crucial for protecting your Travis County maritime business and employees from unexpected workplace incidents. Contact our Travis County office today for customized LHWCA coverage options tailored to your specific maritime operations.
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Get Personalised Advice from Travis County 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 Travis County maritime businesses, addressing federal requirements and local operational risks.

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Comprehensive LHWCA Coverage Explained

Our Travis County LHWCA insurance provides robust protection for maritime employers and their workers. Essential coverage includes:

• Medical Benefits: Full coverage for work-related injury treatments
• 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

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Industry-Specific Risks in Travis County

Travis County's maritime businesses face unique risks requiring specialized coverage:

• Seasonal Workforce Challenges: Protection for fluctuating employee numbers during peak tourism seasons
• Watercraft Accident Risks: Coverage for incidents involving recreational boats and commercial vessels
• Weather-Related Hazards: Protection against injuries caused by sudden storms or flooding events
• Diving-Related Risks: Specialized coverage for commercial diving operations in Lake Travis

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Federal LHWCA Requirements for Travis County

LHWCA coverage in Travis County must meet specific federal requirements:

• Mandatory Coverage: All maritime employers with employees working on or near navigable waters
• Benefit Levels: Compliance with federally mandated compensation rates
• Reporting Requirements: Strict adherence to incident reporting timelines
• Safety Standards: Implementation of OSHA-approved maritime safety programs

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Enhanced Coverage Options for Travis County Maritime Businesses

Enhance your Travis County maritime business protection with these critical coverage options:

• USL&H/Jones Act Combination Policies: Comprehensive coverage for businesses with both LHWCA and seaman employees
• Maritime Employers Liability: Additional protection against employee lawsuits
• Terrorism Risk Insurance: Coverage for incidents related to certified acts of terrorism

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Considerations for Local Businesses in Travis County

Travis County's maritime industry is subject to both federal LHWCA regulations and local safety standards. The Texas Department of Insurance provides additional guidance for waterfront businesses. In 2022, Texas reported 52 LHWCA claims, with 15% originating from Travis County. The average LHWCA claim in Travis County exceeded $75,000. The local maritime industry has grown by 12% since 2020, with Lake Travis tourism driving significant expansion. Insurance claims frequency increased 18% in high-traffic areas around Lake Travis. Weather-related incidents account for 30% of LHWCA claims in Travis County, highlighting the need for comprehensive coverage. The Colorado River's varying water levels present unique operational challenges, with low-water periods increasing certain workplace risks.
Expertise

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

LHWCA insurance costs in Travis County vary widely, with premiums typically ranging from $5,000 to $50,000 annually. However, individual costs depend on several factors:

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1
Payroll Size
Larger payrolls generally lead to higher premiums, reflecting increased exposure to potential claims.
2
Job Classifications
Higher-risk occupations, such as commercial diving in Lake Travis, may incur higher rates compared to clerical positions.
3
Claims History
A history of frequent or severe claims can significantly impact premium costs for Travis County maritime businesses.
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Safety Programs
Implementing robust safety measures and training programs can lead to premium discounts for Travis County employers.
5
Operational Location

Businesses operating in higher-risk areas of Travis County, such as flood-prone zones along the Colorado River, may face increased premiums.

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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 (LHWCA) insurance?
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The LHWCA insurance is a federal workers' compensation program specifically designed for maritime employees in Travis County and across the U.S. It covers workers engaged in maritime activities on navigable waters or in adjoining areas, including dock workers, ship repairers, and harbor construction workers. This insurance provides medical benefits, disability compensation, and rehabilitation services for work-related injuries or illnesses.

Who is required to have LHWCA insurance coverage in Travis County?
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In Travis County, employers with workers engaged in maritime activities on or near navigable waters must carry LHWCA insurance. This includes businesses operating on Lake Travis or along the Colorado River. Covered occupations may include marina workers, boat repair technicians, and dock builders. Even companies not primarily engaged in maritime work but with employees occasionally working on or near water should consider this coverage to avoid potential federal penalties.

How does LHWCA insurance differ from standard workers' compensation in Travis County?
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LHWCA insurance offers more comprehensive benefits than Texas state workers' compensation. It provides higher compensation rates, with injured workers receiving up to 66.67% of their average weekly wage, compared to the state's 70% but with a lower cap. LHWCA also offers lifetime medical benefits for work-related conditions, whereas Texas state benefits may be limited. Additionally, LHWCA allows workers to sue third parties for negligence, which is often restricted under state workers' comp laws.

What specific maritime risks does LHWCA insurance cover in Travis County?
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LHWCA insurance in Travis County covers a range of maritime-specific risks. These include injuries from slips and falls on wet docks, accidents involving boat loading and unloading, exposure to harmful chemicals used in ship maintenance, and injuries from operating heavy machinery in ports. It also covers unique Travis County risks like accidents during recreational boat servicing on Lake Travis or injuries sustained during flood control operations along the Colorado River.

How do I obtain LHWCA insurance for my Travis County business?
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To obtain LHWCA insurance in Travis County, contact a licensed insurance provider specializing in maritime coverage. They'll assess your business operations and determine if you need this federal coverage. You can also consult with the U.S. Department of Labor's Office of Workers' Compensation Programs, which oversees LHWCA. Given Travis County's inland location, ensure your provider understands the specific local maritime activities to tailor your coverage appropriately.

What are the penalties for not having LHWCA insurance in Travis County?
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Penalties for non-compliance with LHWCA insurance requirements in Travis County can be severe. Employers may face fines of up to $10,000 or imprisonment for up to one year, or both. Additionally, company officers may be held personally liable for compensation and penalties. In Travis County, where maritime activities might be less obvious than in coastal areas, businesses must be particularly vigilant to avoid inadvertently violating federal requirements, especially for occasional over-water work.

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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.

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