Which endorsement is specifically designed to cover longshore workers under federal law?

• A. Jones Act endorsement
• B. United States Longshore and Harbor Workers' Compensation Act endorsement
• C. Federal Employers Liability Act Coverage endorsement
• D. Voluntary Compensation and Employers Liability endorsement

Answer: (B)

The key idea is that longshore workers on navigable waters are covered under a separate federal workers’ compensation program, and the endorsement that puts that federal coverage onto a policy is the United States Longshore and Harbor Workers’ Compensation Act endorsement. This endorsement ensures injuries to longshore workers are handled under the federal Longshore and Harbor Workers’ Compensation Act, administered by the Department of Labor, rather than under state workers’ comp rules. It addresses the unique environments these workers operate in—loading and unloading ships, shipyards, docks, and related areas on or near the water—where federal law applies. The other options relate to different groups or legal theories: the Jones Act covers seamen and often provides remedies based on negligence; FELA covers railroad workers; Voluntary Compensation is an optional form of coverage not specific to longshore workers under federal law. So, the endorsement tailored to longshore workers under federal law is the Longshore and Harbor Workers’ Compensation Act endorsement.