Approved by the U.S. Department of Labor to providing coverages for USL&H exposures in all 50 states.

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The American Equity Underwriters, Inc. is the program administrator for The American Longshore Mutual Association, Ltd., a group mutual company approved by the U.S. Department of Labor to provide coverage for USL&H exposures in all 50 states.


Coverages Offered For:

  • United States Longshore & Harbor Workers’ Compensation Act
  • Outer Continental Shelf Lands Act
  • Defense Base Act
  • Companion State Act Program in conjunction with the above coverages
  • Maritime Employers Liability


Target Classes

  • Shipbuilders
  • Ship Repair
  • Stevedores
  • Terminal Operators
  • Barge Repair
  • Marine Construction
  • Steamship Agents
  • Luxury Yacht Builders
  • Coal Docks
  • Offshore Industries


The below preferred classes may also have USL&H exposure:

  • Welders
  • Pipe Fitters
  • Painters
  • Sheet Metal Work
  • Crane Installations and Repair
  • Engine Repair
  • Carpentry
  • Electricians
  • Plumbing
  • Heating and A/C Contractors
  • Concrete/Cement Work
  • Refrigeration Repair
  • Architects and Engineers
  • Wallboard Installation
  • Communications Repair
  • Fire Extinguisher Servicing
  • Pest Control

Plans Include

  • First Dollar
  • Single and Multi-Year Programs
  • Loss-Sensitive Plans
  • Deductible
  • Excess Over Qualified Self-Insurance


  • Federal Acts: Statutory
  • Employer's Liability: $1,000,000


Minimum Premium




National; All account sizes - incidental to excess



  • USL&H: American Longshore Mutual Association (ALMA)
  • State Act: Great American Insurance Group, PMA Companies
  • Maritime Employers Liability: Novae


Submission Requirements

  • Completed and signed Industry Standard Workers' Compensation Application
  • Currently valued loss runs (five years preferred)*
  • Five-year gross payroll history*
  • Financials
  • Current NCCI Experience Modification Worksheet

Additional information which will assist in the quoting process

  • Details on large claims
  • Explain any changes in operations over the last five years including payroll fluctuation or claims history
  • Safety programs
*For accounts less than $150,000 in premium, three years of currently-valued loss runs and payroll history may be accepted.