Your clients look to you to help them manage their risks associated with the way they do business. Different types of insurance products help cover exposures from losses or claims associated with different operational aspects. For example, most companies need premises liability coverage for third-party injuries at a work zone, but not all companies need policies that cover workers driving for business purposes. Workers’ compensation helps protect employees from injuries while on the job, but this protection is not sufficient for maritime operations. Policies such as United States Longshore and Harbor and Jones Act are designed for certain types of maritime work.
Comparing Policy Types
It’s critical that you and your clients understand which policies they need. Exploring workers’ comp vs. usl&h vs. Jones Act reveals the following differences:
- USL&H – Intended for employees on navigable waters
- Jones Act – Designed for seamen who are stationary on a United States-flagged vessel
- Workers Comp – Not applicable to the exposures unique to maritime environments
The USL&H and Jones Act policies will have some overlaps, so it’s critical that you help your customers understand which products are applicable and necessary.
Getting USL&H Coverage
Claims for USL&H fall under the U.S. Department of Labor. When it comes to longshore operations, the penalties, benefits and implications for noncompliance can be far greater than that of a worker’s compensation issue. Make sure your clients are boosting their operations with the right policies and products.