Coverage Options
Coverage Options
A trusted partner in longshore workers' compensation.
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
Coverage
- United States Longshore & Harbor Workers’ Compensation Act
- Continental Shelf Lands Act
- Defense Base Act
Plans Include
- First Dollar/Guaranteed Cost
- Single and Multi-year Programs (1, 2 and 3 years)
- Loss Sensitive Plans
- Deductible
- Excess Over Qualified Self-Insurance
Target Classes
- Ship Builders
- Stevedores
- Terminal Operators
- Barge Repairers
- Marine Construction
- Ship Repairers
- Steamship Agents
- Luxury Yacht Builders
- Coal Docks
- Offshore Industries
- Skilled Labor Providers
- Note: A minimum of 10% of the company’s payroll must be USL&H exposure (unless incidental-only). Some additional classes may also have USL&H exposure. See underwriting guidelines for full details.
Advantage Program
Through Advantage by AEU, shipyards, stevedores, and other waterfront businesses can control their USL&H costs through personalized loss control and claims services that most insurance providers only provide to larger policyholders.
Coverage
- United States Longshore & Harbor Workers’ Compensation Act
- Outer Continental Shelf Lands Act
- Defense Base Act
Plans Include
- First Dollar/Guaranteed Cost
- Single and Multi-year Programs (1, 2 and 3 years)
- Deductible
Target Classes
- Ship Builders
- Stevedores
- Terminal Operators
- Barge Repairers
- Marine Construction
- Ship Repairers
- Steamship Agents
- Luxury Yacht Builders
- Coal Docks
- Offshore Industries
- Skilled Labor Providers
- Note: A minimum of 10% of the company’s payroll must be USL&H exposure (unless incidental-only). Some additional classes may also have USL&H exposure. See underwriting guidelines for full details.
State Act
Target Classes
- Heating & A/C Contractors
- Refrigeration Repair
- Architects and Engineers
- Fire Extinguisher Servicing
- Communications Repair
- Engine Repair
- Electricians
- Carpentry
- Painters
- State Act Boat Building & Repair
- Marinas
- Machine Shops
- Warehousing
- Welders & Pipefitters
- Labor Providers with long-term placements
Program Highlights
- Available nationally as a companion coverage to USL&H
- Guaranteed Cost
- Limits for Federal Acts: Statutory
- Limits for Employer’s Liability: $1,000,000
- Minimum Premium - as per filed rates
- Carriers - PMA Insurance Group and Great American Insurance Group
MEL
Coverage
- Maritime Employers' Liability
Plans Include
- Deductible
Program Highlights
- Available nationally
- Offered as a companion coverage to USL&H
- Minimum Premium - $5,000
- Carrier: Great American Insurance Group
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*
- Financials
- Current Experience Modification Worksheet
*For accounts less than $150,000 in premium, three years of currently-valued loss runs and payroll history may be accepted.
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
Interested in requesting a quote? Contact us using the form below.
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.
