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Navigating the Waters: Understanding Longshore Act Coverage for Your Business

As a business owner, ensuring the right insurance coverage is in place is vital to protect both your employees and your company's interests. The Longshore and Harbor Workers' Compensation Act (LHWCA) and its extensions play a crucial role in providing coverage for employees engaged in maritime occupations. However, understanding whether your business falls under the Longshore Act or its extensions can be a nuanced process.



The Longshore district office staff is a valuable resource for obtaining general information about covered work under the LHWCA and its extensions. It's essential to note that their guidance serves as a reference but doesn't substitute for legal advice or a formal adjudication of your business's coverage status.


In general, businesses involved in traditional maritime occupations, including longshore workers, ship-repairers, shipbuilders, ship-breakers, and harbor construction workers, may be eligible for Longshore coverage. If your employees work on the navigable waters of the United States or in adjacent areas such as piers, docks, terminals, wharves, and locations used in loading and unloading vessels, Longshore coverage is likely required.


As a proactive step, consider obtaining the necessary coverage or seeking authorization to become self-insured. This not only safeguards your employees in case of work-related injuries but also protects your business from potential liabilities associated with maritime activities.


Ultimately, navigating the complexities of Longshore Act coverage demands a comprehensive understanding of your business operations and the nature of work performed. Seeking legal advice, particularly if your business engages in maritime activities, is a prudent step to ensure compliance and mitigate risks. Remember, informed decisions about insurance coverage contribute to the long-term stability and resilience of your business. As you explore the waters of Longshore Act coverage, stay informed, seek professional guidance, and chart a course that ensures both legal compliance and protection for your workforce.

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