Workers’ Compensation, ability to quote USL&H and Marine Employers Liability (MEL) on one policy in all states

Based on the nature of your clients’ business, we may be able to quote a Workers’ Compensation policy that includes U.S. Longshore & Harbors (USL&H) coverage and add a Maritime Employer’s Liability coverage endorsement that is designed to cover the daily dangers that your maritime clients face. In addition, we can provide access to a Workers’ Compensation policy with incidental USL&H coverage for State Act marine-related risks. Our Marine staff has more than 40 years of experience in the maritime industry and our program features flexible underwriting, in-house binding authority, and low minimum premiums.

Program Highlights

United States Longshore & Harbor Workers / Workers’ Compensation

  • In-house binding authority with prompt turnaround
  • Policies are non-assessable; no joint and several liability
  • Carriers with committed USL&H claims expertise
  • USL&H underwriting professionals


  • Ability to quote most marine-related risks
  • Access to over 20 admitted marine markets
  • Non-admitted marine markets available for the harder-to-place accounts




  • 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. Effective September 1, 2020, Ryan Specialty Group created RSG National Specialty Programs, which took over operations that were formerly the All Risks National Specialty Programs. Thirty-year industry veteran, Chris McGovern continues to manage 25+ distinct RSG National Specialty Programs. 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

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Commercial Marine

  • Marine artisan contractors
  • Marine contractors
  • Boat builders
  • Ship repairers
  • Terminal operators

United States Longshore & Harbor Workers
Workers’ Compensation

  • $10,000 minimum premium with USL&H for nearly all classes (1% or more exposure)
  • Can quote the WC / USL&H on marine-related risks
  • Guaranteed Cost
  • State Act and USL&H on same policy

Maritime Employers’ Liability (MEL)

  • Available monoline or with USL&H / WC
  • Supplemental Application
  • ACORD form
  • 5 years currently valued loss runs
  • Experience modification worksheet (USL&H only)
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.