Maritime shipyard worker in high-visibility gear on a dry dock at blue hour

SRMG

Workers' Compensation

You take the risk. We take the call.

You climb the scaffold. You weld the seam. You dock the tender in weather. You work the crane. When something goes wrong in a maritime yard, on a working deck, or over navigable water, the last thing you need is uncertainty about reporting a claim. The insurer pays the benefits. We act for the employer's programme, make sure the claim is reported properly and stay with it until it is resolved. Because you're the reason the boat moves. Not the paperwork.

Workers currently covered

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First-response on every new claim

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Standing next to injured workers

THE COVERAGE

Real cover for real work.

If you work a shipyard or port

Welder, rigger, crane operator, painter, contractor. When something happens on site, such as a burn, a fall, a crush injury, or a long-term issue like hearing loss or back damage, the applicable workers' compensation programme provides treatment, wage benefits and rehabilitation subject to its terms. The insurer pays the benefits. We act for the employer's programme, make sure the claim is reported properly and stay with it until it is resolved.

Recovery example: A welder in a Gulf Coast shipyard suffered severe arc-flash burns during a night shift. The claim was reported within the hour. The insurer paid wages from day one. He received physical therapy, was cleared for light duties in week 14 and returned to full work in week 16. This is one recovery example, not a promise of a particular outcome.

If you work at sea (Marine Employers Liability)

The Jones Act applies only to seamen, meaning crew who spend a substantial part of their work on a vessel in navigation; they can claim against the employer for negligence and are covered under Maritime Employers Liability (MEL), not USL&H.

Recovery story: Deckhand injured during storm-force weather off Nantucket. Jones Act protections engaged same day. Full maintenance and cure obligations honoured. No pressure to return before medically cleared.

If you work over water (USL&H)

The Longshore and Harbor Workers' Compensation Act covers qualifying longshore workers, harbour construction workers, ship repairers and marine contractors working on navigable US waters or adjoining maritime areas. Marina employees and workers repairing or building recreational vessels under 65 feet are generally excluded from USL&H when state workers' compensation covers them; we confirm the classification of every role. The insurer pays the benefits. We act for the employer's programme, make sure the claim is reported properly and stay with it until it is resolved.

Recovery example: A marine contractor fell on a wet gantry during a superyacht refit. Claim reported to the carrier the same day. USL&H claims are handled through the US Department of Labor's Office of Workers' Compensation Programs, with disputes heard by Department of Labor administrative law judges. The worker was rehabilitated, retrained and returned to work.

If you work across borders

Turkish captain on a Cayman-flagged yacht injured in Antigua. Filipino deckhand transiting a Med charter through Gibraltar. Your programme has to hold across every jurisdiction — not fall apart at the state line. That's the whole point of doing this properly.

Recovery story: Turkish captain injured on a Med charter, hospitalised in Antibes, then repatriated to Istanbul for continued care. Cover held across three jurisdictions without a single break in treatment.

WHO WE COVER

The people who actually do the work.

Shipyard Welders

Crane Operators

Marine Mechanics

Deck Crew

Longshore Workers

Ferry Crews

Fuel Dock Staff

Port Employees

THE PROMISE

When you call, a real person picks up.

The insurer pays the benefits. We act for the employer's programme, make sure the claim is reported properly and stay with it until it is resolved. Our support focuses on the employer's reporting obligations and the applicable state or federal workers' compensation framework. Your name matters to us. So does your recovery.

A standard workers' comp claim

Your first call is a call centre
Different claims handler every time you check in
Your file gets passed between administrators
You do the paperwork on your own
You fight for treatment authorisation

Under SRMG's programme

Your first call is a real person who knows maritime work
Same broker contact through the whole recovery
One name, one number, one programme contact
We help the employer report the claim properly
We follow up with the insurer until the claim is resolved

Welder in silhouette on a dry dock at dawn, returning to work

RECOVERY STORY

Sixteen weeks to full work. One broker contact. One recovery example.

In one recovery example, a welder in a Gulf Coast shipyard suffered severe arc-flash burns during a Sunday night shift. His shift lead reported the claim within the hour. The insurer paid wages from day one and coordinated his treatment with the burn unit. SRMG supported the employer's reporting and followed the claim through to resolution. He was rehabilitated through weeks 4 to 12, cleared for light duties in week 14, and back to full work on the yard floor in week 16. This example is not a guarantee of benefits, treatment or recovery times.

Same broker contact from reporting through return-to-work
Medical treatment coordinated through the insurer
Wages and treatment provided by the insurer in this case
No litigation. No adversarial position taken against him.

Result: The welder is still working the same yard, on the same team, four years later.

GULF COAST SHIPYARD · 220 EMPLOYEES · CLIENT SINCE 2020

My shift lead reported the claim within the hour. SRMG stayed with our employer's programme while the insurer handled my benefits. The insurer paid my wages from day one, I was cleared for light duties in week 14, and I was back to full work in week 16. That was my experience, not a promise about anyone else's recovery.

SHIPYARD WELDER · GULF COAST SHIPYARD · 🇺🇸

SRMG

Why SRMG.

A real person answers every time. Never a script, never a queue, never "your call is important to us".
A consistent broker contact supports the employer's programme from claim reporting through resolution.
We follow up with the insurer on reported treatment and benefit questions.
The insurer pays the benefits. We act for the employer's programme, make sure the claim is reported properly and stay with it until it is resolved.
Independent broker acting for the employer's programme, not deciding or paying benefits for the insurer.

If you've been hurt, we're here.

If your workers' comp is placed through SRMG and you need to open a claim — call us directly. Anytime. A real person answers.

Call our claims line — +1 (305) 500 0844 Or start a claim online →

Not sure if your employer's programme is with us? Ask them — or call us and we'll tell you in one minute.

Frequently asked

Maritime workers' comp questions

USL&H is insurance under the Longshore and Harbor Workers' Compensation Act for qualifying maritime workers on navigable US waters or adjoining areas, including dock workers, ship repairers and shipyard employees. Marina employees and workers repairing or building recreational vessels under 65 feet are generally excluded from USL&H when state workers' compensation covers them; we confirm the classification of every role. The insurer pays the benefits. We act for the employer's programme, make sure the claim is reported properly and stay with it until it is resolved.