Coverage Options

We offer USL&H, State Act, and MEL coverage for waterfront employers.
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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
  • Defense Base Act
  • Outer Continental Shelf Lands Act
  • Nonappropriated Fund Instrumentalities Act


Plans Include

  • First Dollar/Guaranteed Cost
  • Single and Multi-year Programs (1, 2 and 3 years)
  • Deductible

 

Program Highlights

  • 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
  • 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
  • Defense Base Act
  • Outer Continental Shelf Lands Act
  • Nonappropriated Fund Instrumentalities Act


Plans Include

  • First Dollar/Guaranteed Cost
  • Single and Multi-year Programs (1, 2 and 3 years)
  • Deductible

 

Program Highlights

  • Available Nationally
  • Minimum Premium: $10,000
  • Limits for Federal Acts: Statutory
  • Limits for Employer’s Liability: $1,000,000
  • Carrier: American Longshore Mutual Association

 

Target Classes

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

  • Light Manufacturing
  • Warehousing
  • Engineers/Architects
  • Boat Dealers
  • Marinas
  • Clerical
  • Sales
  • Surveyors

 

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

 

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 NCCI 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

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