Coverage

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.

USL&H

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.

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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
$10,000
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
National

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.

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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
National