Workers’ Comp, USL&H & MEL – Workers’ Compensation for the Marine Industry

National Specialty Programs

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. All Risks provides recreational and commercial marine insurance product knowledge and expertise. Chart a course with All Risks to protect your clients’ recreational and commercial marine insurance related risks.

Program Highlights

  • A.M. Best “A” rated carrier or better available in all states
  • In-house binding authority with prompt turn around
  • 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
Submit a Risk
  • Marinas
  • Boat dealers
  • Piers and docks
  • Marine artisan contractors
  • Marine contractors
  • Boat builders
  • Ship repairers
  • Terminal operators
  • 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
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.

Press Release-Exclusive Admitted WC/USL&H/MEL Product

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

Risk Control Portal

Help your clients develop employee best practices with over 1000 risk management and safety education resources and reference tools.

Promise to Our Partners

Our business is conducted as a three-way partnership; serving as the intermediary between our clients—retail insurance brokers who allow us to find the proper markets for their insureds and our carriers—the strategic partners that insure the risks that we place. We carefully select our retail broker partners and focus our resources where our abilities and interests best match.

We commit to our carriers that we will always provide all of the pertinent information that we have regarding any risk being submitted to them. We will never be guilty of failing to furnish information that is germane to underwriting a risk, simply because the underwriter did not ask us the right question.


Industry Associations