Employers that operate in the maritime industry are faced with understanding various laws that protect their workers. These regulations can be confusing, especially knowing where the boundaries of protection begin and end. It is essential for you to know what insurance is needed in order to cover all potential scenarios as an employer.
One of the most recognized maritime laws is the Jones Act. This offers provisions to seamen who are injured on a vessel that they are stationed on. You would need insurance coverage to protect against a claim that fell under this act. What about when an employee isn’t stationed on a ship?
Explaining USL&H Coverage
When you have employees that work near the water but not on a vessel they are covered under a different law. Some classes of workers would fall under state workers compensation regulations. However, most employees will likely be protected under the Longshore and Harbor Workers Compensation Act. The USL&H act comes into effect when is not a seaman and is performing certain tasks near navigable waters. If you have employees in the classes below, then USL&H insurance will be necessary:
- Ship repairing and cleaning
- Marine manufacturing
- Dock operations
- Harbor workers
Federal laws require coverage under the USL&H act. Understanding when it needed based on your workforce is critical as a maritime employer.