Frequently Asked Questions
Q: What is USL&H?
A: USL&H refers to the United States Lonshore and Harborworkers' Compensation Act. This is a federal workers' compensation law enacted to provide benefits for employees in the event of their injury or death when working on or near navigable waters of the U.S. and engaged in maritime employment. The Act excludes certain employment such as masters and crew members of vessels.
Q: Does my Washington state L&I coverage include USL&H insurance?
A: No. Workers' compensation coverage provided by Washington State Department of Labor & Industries (L&I) does not provide coverage for the USL&H Act and USL&H coverage does not cover Washington state workers' compensation benefits. Employers should consult their L&I representative or their own insurance representative for more information on what policies may be needed.
Q: Where can I find information about state workers' compensation coverage for Washington?
A: Information about state workers' compensation coverage can be found on the Washington State Department of Labor & Industries (L&I) website. The Washington USL&H Assigned Risk Plan does not provide any state coverage.
Washington Department of Labor and Industries (Information for state coverage)
A: Here are some sources of information to help determine your coverage needs but you may need to consult your own maritime attorney to help evaluate your situation:
A: Applications and additional details on applying for coverage are available on this website under the "
Apply for Coverage" tab. All applications must be submitted to SeaBright Insurance, the designated servicing carrier. Applications are only accepted from insurance producers licensed and bonded in the state of Washington and who are acting as a broker for the employer. Licensed producers who are not bonded should contact SeaBright Insurance for information on accessing the USL&H assigned risk plan.
A: No. In fact, applicants to the assigned risk plan are only eligible for coverage if they are unable to secure USL&H coverage through the private insurance market.
A: The cost is based on the nature of an employer's business operations. Base rates per $100 of payroll are shown in our rate pages located here:
Classifications and Rates Expected cost can only be determined after submitting an application to SeaBright Insurance Company where an employer's operations, insurance coverage options and claim history are reviewed by an underwriter who can provide an estimated premium.
A: The U.S. Department of Labor provides this information on their website:
U.S. Department of Labor, USL&H Act