Overview & Appetite Guide

AEU Underwriting Information for United States Longshore & Harbor Workers (USL&H)

Focus: The American Equity Underwriters, Inc. acts as the program administrator of American Longshore Mutual Association, Ltd.(ALMA), a mutual insurance group domiciled in Bermuda. ALMA is approved by the US Department of Labor to provide coverages for USL&H exposures in all 50 states and territories. 

Coverages Offered by AEU:

  • United States Longshore and Harbor Workers' Compensation Act
  • Outer Continental Shelf Lands Act
  • Maritime Employers Liability
  • Defense Base Act
  • State Act Program (in conjunction with the above coverages)

Plans Include:

  • Guaranteed Cost
  • Loss Sensitive
  • Single or Multi-year Policies
  • Deductible
  • Excess Over Qualified Self-Insurance

Minimum Premium: $10,000

Target Classes
  • Shipbuilders
  • Stevedoring
  • Terminal Operators
  • Barge Repair
  • Marine Construction
  • Ship Repair
  • Steamship Agents
  • Luxury Yacht Builders
  • Coal Docks
  • Offshore Industries

The below preferred classes may also have USL&H (possible incidental only) exposure:

  • Heating and A/C Contractors
  • Engine Repair
  • Fire Extinguisher Servicing
  • Sheet Metal Work
  • Architects and Engineers
  • Refrigeration Repair
  • Pest Control
  • Carpentry
  • Electricians
  • Welders
  • Painters
  • Wallboard Installation
  • Communications Repair
  • Crane Installations and Repair
  • Concrete/Cement Work
Prohibited State Act Classes
  • Convenience Stores
  • Gasoline Dealers, LPG Dealers
  • "Over the Hole" Oil & Gas
  • Long Haul Trucking

USL&H: American Longshore Mutual Association, Ltd. (ALMA)

State Act: A+ Rated Carriers

MEL: Underwriters at Lloyds of London