Which endorsement would Millwright Shipping Co. want to add to cover injuries on Erie Canal or NYC harbor?

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

Answer: (C)

When injuries occur on navigable waters like the Erie Canal or in a harbor, coverage often falls under a federal program rather than purely state workers’ compensation. The United States Longshore and Harbor Workers' Compensation Act Endorsement is designed to provide coverage for workers whose duties are related to loading, unloading, repairing, or otherwise working on ships and in port operations on those waters. By adding this endorsement, Millwright Shipping Co. ensures claims from harbor and longshore workers are handled under the federal LHWCA framework rather than relying on standard WC rules alone. The other endorsements don’t fit as well: the Jones Act covers seamen on vessels, not dock workers; the Voluntary Compensation and Employers Liability endorsement is a broader, optional option that doesn’t specifically address the federal longshore/harbor program; and FELA applies to railroad workers.