Synopsis of Law
The Longshore and Harbor Workers' Compensation Act and its extensions, provide medical benefits, compensation for lost wages, and rehabilitation services to employees who are injured during the course of employment or contract an occupational disease related to employment. Survivor benefits also are provided if the work-related injury causes the employee's death.Common Definitions
OLD NATIONAL INSURANCE
LOLL - Landing Owners Legal Liability - The inland version of Wharfingers Legal Liability. See below.
M&C - Maintenance & Cure - An absolute, “no-fault” liability to seamen (captain and crew). Maintenance is living expenses. Cure is medical expenses incurred until maximum medical improvement.
Marine Umbrella - See Umbrella.
MEL - Maritime Employers Liability - A method of insuring an employer's liability under Admiralty law (Jones Act, Maintenance & Cure etc.) to his employees. It provides similar coverage for employers as contained in a P&I policy. It does not cover Longshore or any third-party liabilities.
MGL - Marine General Liability - Similar to a normal general liability policy, it is something adapted to expand or eliminate the watercraft exclusion. Typically includes products/complete operations and all usual CGL coverages. It is often based on older versions of CGL forms.
MOLL - Marina Operators Legal Liability - Coverage for physical damage to vessels in the care custody and control. Often limited to “private pleasure vessels” only.
OCSLA - Outer Continental Shelf Lands Act - A federal workers compensation act which allows fixed platform workers on the Outer Continental Shelf access to the Longshore Act.
ORVA - Oceanographic Research Vessel Act - Allows scientists on officially classed research vessels access to the same benefits as seamen, without having to qualify under the Jones Act or sign seaman's papers.
P&I - Protection and Indemnity - The marine equivalent of Automobile Liability, it covers the liability of a boat owner for bodily injury and property damage. It may include or exclude liability to captain or crew.
Srll - Ship Repairers Legal Liability - Physical damage to vessels, their cargo, and equipment in your care custody and control for the purpose of being repaired, or serviced.
StLL - Stevedores Legal Liability - Liability for cargo being loaded or unloaded from a vessel and damage to a vessel. Usually written with Terminal Operators Legal Liability in a combined form.
TLL - Terminal Operators Legal Liability - Liability for cargo in your care custody and control at a terminal prior to loading or after discharge from a vessel. Most commonly written in combination with Stevedores Legal Liability.
Towers Liability - Liability to a vessel and its cargo that you are towing or pushing.
Umbrella Or marine umbrella - A combined excess policy. Sometimes has a dropdown provision. May or may not be excess over EL, Automobile or other non-marine policies. Wordings vary greatly.
USL&H - Longshoreman’s and Harbor Workers Compensation Act. (Actually should be LHWCA). It is a federal workers compensation program designed predominately for “dockside” workers.
Wet Charter - The charter of a vessel with a captain/crew.
WhLL - Wharfingers Legal Liability The marine version of “garage keepers legal liability.” Covers damage to vessels and their cargo which is in the insured’s care custody and control for storage, mooring, docking etc. Usually specifically excludes any repair work.