Which endorsement would you select to cover longshore and harbor workers under federal law?

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

Answer: (D)

Longshore and harbor workers are protected by a federal workers’ compensation program rather than a state program. The United States Longshore and Harbor Workers' Compensation Act Endorsement is the endorsement that explicitly applies that federal coverage to a policy, ensuring injuries to longshoremen and harbor workers are handled under the LHWCA. This endorsement is specific to the federal act and is distinct from other endorsements: the Jones Act covers seamen, the Federal Employers’ Liability Act covers railroad workers, and the Voluntary Compensation and Employers Liability endorsement is a voluntary option that doesn’t implement federal LHWCA coverage. So, to extend federal LHWCA coverage to longshore and harbor workers, you use the United States Longshore and Harbor Workers’ Compensation Act Endorsement.