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

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

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