* USL&H – Workers Compensation

                               The United States Longshore & Harbor Workers Act

                               This is designed to provide workers compensation benefits to employees who work in

                               maritime employment upon the navigable waters of the United States.

                               When the USL & HWCA endorsement is added to the standard policy it applies to work done

                               in the states scheduled on the policy and extends the definition of the workers compensation

                               law to include the USL & HWCA.

                         * Workers Compensation Coverage Explanation

                               The Workers Compensation insurance provides for workers' compensation, employer's liability,

                               and voluntary compensation coverages.

                                    Part 1 - Workers Compensation insurance coverages are defined by each state. The state’s

                                    Industrial Commission is the controlling body. It provides medical and disability coverage for

                                    on-the-job injuries or work related illness. In many states principals such as owners, officers

                                    and partners can exclude themselves from worker's compensation coverage.

                                    Part 2 – Employer’s Liability - provides coverage that protects the company in the event

                                    that an employee alleges that the employer's negligence or failure to provide a safe

                                    workplace was the cause of the employee's injury or illness.

                                    Part 3 - Other States Insurance. This refers to states not listed in Part 1 where the

                                    applicant has the potential for operations during the policy term, but none currently exists

                                    as of the effective date of the policy.

                              Optional Coverage

                                   United States Longshoremen's & Harbor Worker's (USL&H) coverage and Voluntary

                                   Compensation coverages may be needed if your employees fall under this classification of

                                   work.

                             Experience Modification

                                  Generally the business has to have been in operation for at least two years under present

                                  ownership and the premium must meet or exceed a level which is established by the state

                                  to qualify for experience or merit rating.

                                  The Modification is a factor based on your actual loss history which may increase or decrease

                                  you premium payments.

                            * Workers Compensation - Partners and Officers Exclusion

                             Some states allow an insured to include or exclude Executive Officers or Partners, or both,

                             from coverage.

                            This endorsement lists the individuals not covered under the policy.

                       * Workers Compensation – Voluntary Coverage Endorsement

                                 In most states Workers Compensation laws exempt some types of employment from workers

                                 compensation benefits.

                           The Voluntary Coverage Endorsement amends the standard policy to provide                 provide coverage for employees with these exempted occupations from                     from the workers compensation act.

                           While the endorsement does not make employees subject to the workers compensation law, it does                                  does obligate the insurance company to pay, on behalf of the insured, an amount equal to the                                     the compensation benefits that would be payable to those employees if they were subject to the                                     the workers compensation law of that state