Which endorsement is used to extend coverage for maritime workers on docks and ships?

• 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)

This item tests understanding of which endorsement extends workers’ compensation coverage to maritime workers on docks and ships. The United States Longshore and Harbor Workers' Compensation Act endorsement is the one designed for this scenario. It extends federal workers’ compensation coverage to longshoremen, harbor workers, shipyard workers, and others who work on navigable waters or adjacent areas like docks and piers. This federal program fills gaps where state workers’ comp may not apply due to the maritime nature of the work, ensuring these workers receive medical benefits and wage replacement.

The other options don’t fit this specific need: the Jones Act provides a negligence remedy for seamen rather than extending workers’ compensation coverage; the Federal Employers Liability Act applies to railroad workers, not maritime; and the Voluntary Compensation and Employers Liability endorsement is a general option not tailored to maritime employment.