Which endorsement would be considered the standard for longshore and harbor workers?

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

Answer: (C)

The key idea here is identifying the endorsement that aligns with federal coverage for maritime workers. The United States Longshore and Harbor Workers Compensation Act endorsement is the standard because it tailors coverage to longshoremen and harbor workers under the federal LHWCA, providing the appropriate workers’ compensation benefits and employer’s liability protection for injuries on navigable waters or related operations.

Other endorsements fit different situations: FELA covers railroad workers (a different federal program), the Jones Act applies to seamen under maritime law (with a negligence-based remedy rather than a standard workers’ comp structure), and the Voluntary Compensation and Employers Liability endorsement is an optional arrangement that isn’t specific to longshore and harbor worker coverage.