The Longshore and Harbor Workers' Compensation Act is a federal law that requires specific insurance coverage for employees who work on navigable waters, docks, shipyards, and maritime terminals. Standard state workers compensation does not cover these environments.
Without USL&H coverage, employers face unlimited liability exposure for workplace injuries in maritime environments. Insurance carriers will only underwrite this policy for companies with a long, proven track record of safe operations in these exact environments. Revelation has been operating in shipyards and on navigable waters for over 30 years.
Most EOR providers cannot place workers in shipyard environments because they lack USL&H coverage. When a staffing company needs to place welders, pipefitters, or electricians on a dock or vessel, they need a partner with this coverage. Revelation has it. Competitors do not.
Maritime Employers Liability insurance covers employer liability lawsuits from maritime workers for on the job injuries that fall outside the scope of USL&H. It protects against Jones Act claims, maintenance and cure obligations, and unseaworthiness lawsuits.
MEL is essential for any employer placing workers in offshore, tug, barge, or vessel operations. Unlike standard employer liability policies, MEL specifically addresses the unique legal framework of maritime employment law, where injured workers have rights and remedies that do not exist in land based employment.
Department of Defense sites require specific security clearances, insurance thresholds, and compliance certifications that most employers and EOR providers cannot meet. Revelation has the credentials, carrier relationships, and operational history to place workers in DOD environments without delays.
This includes military installations, defense contractors, naval shipyards, and classified project sites. The compliance requirements are strict and the insurance thresholds are high. Revelation meets both.
Beyond specialty maritime and defense coverage, Revelation maintains a comprehensive insurance portfolio that meets the requirements of the most demanding industrial clients.
These coverages are not something you can buy off the shelf. Insurance carriers evaluate decades of claims history, operational experience, and loss ratios before underwriting specialty maritime and defense policies.
Revelation was built to serve the industries that other EOR providers cannot. From shipyards to offshore rigs to nuclear facilities, our 30 years of carrier relationships mean your workforce is covered.
Insurance carriers require decades of clean claims history in maritime environments before they will underwrite USL&H policies. A company cannot simply purchase this coverage. It must be earned through years of safe operations in the exact environments the policy covers. Revelation has over 30 years of this history. A new or even established EOR provider without maritime experience cannot obtain it.
Standard state workers compensation covers land based employees. USL&H is a separate federal program that covers workers on navigable waters, docks, and shipyards. State workers comp does not apply in these environments. If an employer places a worker in a shipyard without USL&H coverage, there is no workers compensation protection and the employer faces unlimited liability.
The Jones Act gives maritime workers the right to sue their employer for negligence resulting in injury. Unlike land based workers comp (which is a no-fault system), Jones Act claims require proof of employer negligence but can result in much larger awards including pain and suffering, lost future wages, and punitive damages. MEL coverage protects the employer against these lawsuits.
Revelation can place workers on military installations, naval shipyards, defense contractor facilities, nuclear sites, and classified project environments. We maintain all required security compliance documentation, insurance thresholds, and certifications needed for DOD site access.
Many large industrial clients and government contracts require $5M or more in umbrella liability coverage as a contract prerequisite. If your EOR provider carries only $1M or $2M, you cannot bid on or fulfill these contracts. Revelation's $5M umbrella opens doors that lower coverage limits cannot.
Yes. Revelation generates Certificates of Insurance on demand for all coverage types including USL&H, MEL, DOD, umbrella, GL, EPLI, and workers compensation. When a client contract requires proof of specialty coverage, we can produce the COI immediately.
Decades. Insurance carriers evaluate years of claims history, loss ratios, operational experience, and industry tenure before underwriting specialty maritime and defense policies. There is no shortcut. A company cannot purchase these coverages without the operational track record to support them. This is why Revelation's 30 year history is a structural competitive advantage.
With over 30 years of experience and more than half a billion dollars in payroll funded, Revelation Workforce Solutions is a trusted Employer of Record partner built on relationships, not just technology. We deliver fully compliant EOR services, including payroll administration, tax compliance, HR management, benefits, risk mitigation, and workforce technology across all 50 U.S. states. What truly sets us apart is our people providing a hands-on, personal approach that protects your brand, supports your employees, and keeps your business compliant at every level.
