Francis Scott Key Bridge collapse in Baltimore...

superchuck500 said

So the bridge workers are longshoremen? I guess that makes sense (bridge of navigable waters). But L&H is still basically comp in that situation, right? Whereas Jones Act is litigation exposure.

Who knew we'd be going all wonky maritime worker status today.

We have a significant part of the port in Charleston that does nothing but load on vehicles from the BMW and Volvo plants in the state, mostly BMW (it's the largest BWM plant in the world). I always imagine those guys driving BMW after BMW on to ships every day wearing khakis and a polo shirt . . . being longshoremen.

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So the work comp policy is 2 parts, Med/Idemnity and Employer Liability Limits( i know you know this just breaking down ) . And i think they carbon copied ( if you will ) from USL& H and Jones Act ( same scenario kinda- USL&H for the med/indemnity- Jones act for the "employer liability" part )

So yeah the USL&H covers the "comp" and the Jones act the "e.l. " parts. ( as how i was taught- to simplify- but its NOT that simple as federal laws regarding this stuff is immense and why most insurance agents that handle maritime ONLY do maritime- they are way more versed in the workings than ill ever be ) Specialists - they have to be to properly advise clients.

My situations are different- carpenter who does work on yachts ( that are dry docked or dockside ) or the occasional sub who bids on and wins a job near water who has no idea what he just stepped into lol. ( and he won the bid because he didnt account for the increased WC cost of USL&H and Jones act coverage )

And i know here, if you work within 100' of navigable waters ( ton of that with Harvey canal, Intracostal and companies that have shops/warehouses etc along ) you fall under this. Same for bridges- i had a sub doing blasting work on GNO 20 years ago ( to prep for painting ) and had to get the USLH for the job.
IIRC - its "on/near/over" navigable waterways.

Yeah them polo shirted, khaki panted drivers are longshormen according to their WC carrier lolol.