Your client could need USL&H coverage. Are you clear on when to offer this protection?
You already know that your client needs workers’ compensation, but do you know exactly what kind of coverage is needed? Not all workers’ comp policies are created equal and not all cover the same things. If your client is operating by water, they might need United States Longshore & Harbor workers’ compensation.
For decades, the federal government has legally required this coverage for certain businesses operating by water that could pose a hazard to their employees. United States Longshore & Harbor (or USH&L) coverage is key in helping your commercial clients avoid a number of risks.
If they fail to procure coverage, they’ll be assessed hefty fines under the Longshore & Harbor Workers’ Compensation Act. In fact, your client will be found guilty of a misdemeanor and could be assessed up to $10,000 in fines and up to a year in prison!
Clearly, it’s important that clients who should be carrying this type of workers’ comp actually have the right policy in place. So who, exactly, needs USL&H coverage? Dock builders and marine contractors definitely need USL&H coverage. If your client is operating within two feet of navigable water, they most likely need this kind of protection.
If you’re not exactly sure if your client needs this kind of protection, contact PMC Insurance Group. As experts on a wealth of workers’ comp programs and products, we can help assess your client’s unique situation and place the right policies. We have years of experience evaluating USL&H needs and can step in to ensure your client has the right policy to avoid serious fines and jail time. Don’t leave your clients exposed to these risks; call us today!
