Coverage Options
We offer USL&H, State Act, and MEL coverage for waterfront employers.
Coverage Options
We offer USL&H, State Act, and MEL coverage for waterfront employers.
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.
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
