Argo offers monoline USL&H (United States Longshore and Harbor Workers’ Compensation) coverage as well as combined State Act and USL&H programs for qualified accounts.
Coverage Highlights
- Monoline USL&H coverage, or combined State Act and USL&H programs for qualified accounts
- USL&H Endorsement (WC 00 01 06A) on every policy issued
- State Act coverage where written in conjunction
- Waiver of Subrogation or Alternate Employer endorsements when contractually required and approved — a copy of the contract is needed for consideration
- Optional Stop Gap extensions where permitted
Monoline USL&H is considered where state coverage is placed elsewhere, at management’s discretion.
Appetite & Availability
Preferred risks
- Established marine operations with at least one year in business
- Documented safety and training programs
- Stable financial condition and positive loss experience
- Active loss prevention engagement
Target classes
- Ship repair and conversion yards
- Marine construction (non-diving), including dock building and pile driving
- Dock and pier maintenance contractors
- Terminal and warehouse operators
- Stevedoring companies
- Marine equipment maintenance and fabrication
Additional Information
Minimum account requirements
- Years in business: minimum one year, three or more preferred
- Written safety program: required
- Loss ratio: below 61% over the past three years
- Minimum premium: $10,000 combined workers’ compensation and USL&H
- Experience modifier: must be verifiable via NCCI or equivalent
- Loss control inspection: required prior to binding, virtual or onsite
Rating and premium
- Follows NCCI classifications, and other bureaus such as PA, DE and NJ, for USL&H exposures
- Premiums are based on accurate payroll segregation between State Act and USL&H work
- Annual audits are required to confirm exposure accuracy
Safety and risk control
Argo places strong emphasis on loss prevention. We encourage insureds to maintain a designated safety director, conduct routine safety meetings and hazard training, use written job safety analyses for hazardous tasks, enforce PPE use and confined-space protocols, and maintain hot work and fire watch programs for ship repair.
Claims handling
- Claims are handled by adjusters experienced in maritime law and Department of Labor procedures
- Injuries must be reported within 24 hours of occurrence
- Argo ensures compliance with Form LS-202, the Employer’s First Report of Injury
Binding authority for USL&H coverage rests solely with underwriting. Agents may not bind or issue certificates until written confirmation is received.
