Workers’ Compensation, USL&H & MEL – Recreational & Commercial Marine Insurance Program

Maritime Employers have limited markets available to them that provide WC, USL&H, and MEL. We have developed coverage solutions for maritime employers down to $10,000 in estimated annual premium. It’s equally important to millions of recreational boaters. Boating accidents and injuries to workers during loading, unloading, repairing, dismantling or building a vessel can wreck a company’s bottom line. We provide recreational and commercial marine insurance product knowledge and expertise. Chart a course with us to protect your clients’ recreational and commercial marine insurance related risks.

Program Highlights

  • In-house binding authority with prompt turnaround
  • Policies are non-assessable: no joint and several liability
  • Committed USL&H claims expertise
  • USL&H underwriting professionals
  • Ability to underwrite all marine-related risks
  • MEL coverage available



  • Nationwide


The description of this program is only a summary of available coverages. Actual policy language will dictate the scope of coverage in the event of a claim. We encourage policyholders and their agents to read the full policy form and any applicable endorsements for full terms and conditions. RSG National Specialty Programs is a unit of the RSG Underwriting Managers division of RSG Specialty, LLC, a Delaware limited liability company based in Illinois. RSG Specialty, LLC, is a subsidiary of Ryan Specialty Group, LLC (RSG). RSG National Specialty Programs works directly with brokers, agents and insurance carriers, and as such does not solicit insurance from the public.  Some products may only be available in certain states, and some products may only be available from surplus lines insurers. In California: RSG Specialty Insurance Services, LLC (License # 0G97516).  ©2021 Ryan Specialty Group, LLC

Submit a Risk
  • Marine artisan contractors
  • Marine contractors
  • Boat builders
  • Ship repairers
  • Terminal operators
  • Piers and docks
  • And more!

USL&H/Workers’ Compensation

  • $10,000 minimum premium with USL&H for nearly all classes (1% or more exposure)
  • Can write the WC on marinas and boat dealers
  • Guaranteed Cost
  • State Act and USL&H on same policy
  • Maritime Employers’ Liability available monoline or with USL&H/WC
Press Release-New Marine Workers’ Compensation Carrier

All Risks offers an A.M. Best "A" rated market for small USL&H employers.

Webinar Replay: Navigating Maritime Employee Exposures

Our team of experts provided a comprehensive review of our exclusive Commercial Marine Program.

Specialty Program Guide

Use this handy resource to review our custom program solutions.

Ryan Specialty Group and All Risks Finalize Merger

Ryan Specialty Group, LLC (RSG) and All Risks are pleased to announce the completion of the transaction to merge the two firms into Ryan Specialty Group. RSG is an insurance specialist providing services in wholesale brokerage and delegated underwriting authority in the form of binding authorities, programs and managing general underwriting companies. The combination of All Risks and RSG, with roughly 3,300 employees and 70+ offices across the United States, the United Kingdom and Europe, is projected to handle nearly $15 Billion in premium during 2020. Read more.

Industry Associations