AEU is the program administrator for American Longshore Mutual Association (ALMA), a group self-insurance fund authorized by the Department of Labor for USL&H coverage in all 50 states. Because this is a self-insurance fund, we have the freedom to be more creative in our products and to customize them for optimal results. 
Our accounts are loss rated.  We are not subject to NCCI Filed Rates.
American Longshore Mutual Association, Ltd.(ALMA) is FATCA compliant having made an election under section 953 (d) with the Internal Revenue Service and is therefore treated as a domestic corporation for US tax purposes. In accordance with the U.S. Internal Revenue Service, ALMA will provide a W-9 as verification of its U.S. tax status.
If you require a W-9 or have any questions regarding FATCA compliance, please contact Jeanette Sander, Director of Credit and Compliance at The American Equity Underwriters, Inc. at phone (251) 690-4249, fax (251) 591-6201 or
  • First Dollar
  • Loss Sensitive Rating Plans
  • Excess Over Qualified Self-Insurance
  • Deductible
  • Federal Acts: Statutory
  • Employer’s Liability: $1,000,000


The following classes may also have USL&H (possibly incidental only) exposure:

U.S. Department of Labor Approved Self Insurance Group
National; All account sizes - incidental to excess

Other useful information:

Related Documents: