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The American Equity Underwriters, Inc. The American Equity Underwriters, Inc.


With decades of experience in the maritime industry and a strong commitment to our members, AEU is the leading provider of USL&H to waterfront employers of all sizes.

Shipbuilders, ship repairers, marine terminal operators, stevedores, marine contractors and other waterfront employers may apply for ALMA membership through their insurance broker.


AEU is the program administrator for the American Longshore Mutual Association, Ltd. (ALMA), which is authorized by the Department of Labor to provide USL&H coverage for the liabilities of its members under the United States Longshore & Harbor Workers’ Compensation Act. ALMA’s unique structure as a group self-insurance fund gives us the freedom to be more creative in our underwriting, customizing programs for optimal results.


  • Coverage
    • United States Longshore & Harbor Workers’ Compensation Act
    • Defense Base Act
    • Outer Continental Shelf Lands Act
    • Nonappropriated Fund Instrumentalities Act
  • Plans Include
    • First Dollar
    • Single and Multi-year Programs
    • Loss-Sensitive Plans
    • Deductible
    • Excess Over Qualified Self-Insurance
  • Minimum Premium
  • Limits
    • Federal Acts: Statutory
    • Employer’s Liability: $1,000,000
  • Target Classes

    A minimum of 10% of the company’s payroll must be USL&H exposure (unless incidental-only) 

    • Ship Builders
    • Stevedores
    • Terminal Operators
    • Barge Repairers
    • Marine Construction
    • Ship Repairers
    • Steamship Agents
    • Luxury Yacht Builders
    • Coal Docks
    • Offshore Industries

    The below preferred classes may also have USL&H (possibly 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
  • Carrier
    American Longshore Mutual Association (ALMA)
  • Availability
American Longshore Mutual Association, Ltd.(ALMA) is FATCA compliant, having made an election under section 953 (d) with the Internal Revenue Service, and is therefore treated as a domestic corporation for U.S. tax purposes. In accordance with the U.S. Internal Revenue Service, ALMA will provide a W-9 as verification of its U.S. tax status.
If you require a W-9 or have any questions regarding FATCA compliance, please contact Jeanette Sander, Director of Credit and Compliance at The American Equity Underwriters, Inc. via phone at 251.690.4249, fax at 251.591.6201, or jeanette.sander@amequity.com


State Act

In addition to USL&H coverage, AEU offers State Act workers’ compensation coverage on PMA Insurance Group and Great American Insurance Group paper.



  • Target Classes
    • Light Manufacturing
    • Warehousing
    • Engineers/Architects
    • Boat Dealers
    • Marinas
    • Clerical
    • Sales
    • Surveyors
  • Prohibited State Act Classes
    • Convenience Stores
    • Gasoline Dealers, LPG Dealers
    • “Over the Hole” Oil and Gas
    • Long-Haul Trucking
  • Plans Include
    • Guaranteed Cost
  • Limits
    • State Act Benefits: Statutory
    • Employer’s Liability: $1,000,000
  • Minimum Premium
    As per filed rates
  • Availability
Maritime Employers' Liability

AEU has a binding authority with Great American Insurance Company to provide MEL coverage.

MEL Application (pdf) Underwriting Guidelines

Submission Requirements

Submission requirements for all accounts:

Completed and signed ACORD workers' compensation application

Currently-valued loss runs (five years preferred)*

Five-year gross payroll history*


Current NCCI Experience Modification Worksheet

Additional information which will assist in the quoting process:

Details on large claims 

Explain any changes in operations over the last five years regarding payroll fluctuation or loss history

Safety programs

*For accounts less than $150,000 in premium, three years of currently-valued loss runs and payroll history may be accepted. 



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