Longshore exposure is one of the most challenging areas of marine insurance for agents. The U.S. Longshore and Harbor Workers’ Compensation Act (USL&H) regulations are complex, and coverage often hinges on the specifics of the work being done. Two clients may look similar on paper but have very different exposure once you look more closely at job duties, work locations, and vessel involvement. Add in changing operations, mixed roles, or third-party labor, and it becomes easy