Heavy Industrial Contractor Insurance.
Specialty insurance for mechanical, electrical, civil, and process contractors working in refineries, chemical plants, power plants, and major industrial facilities. GL, workers comp, professional liability, and high-limit umbrella — built for the demands of heavy industrial project work.
500+
Industrial contractors insured nationwide
NPN #8608479
Licensed all 50 states
- Licensed in all 50 states
- Founded 2005 — 20+ years
- Heavy industrial specialists
- 15-minute quote turnaround
- 2-hour claims response
- A.M. Best A+ carrier partners
Industrial Contractors Insurance Coverage Lines.
From general liability and workers compensation to professional liability and high-limit umbrella — full programs for heavy industrial contractors on major projects.
Not sure what you need? Get a coverage review →
Why Industrial Contractors Choose CCA.
Heavy industrial contracting requires more than standard contractor insurance — high-limit umbrella, pollution liability for industrial environments, and professional liability for design-build work.
Heavy Industrial Specialists
We understand heavy industrial contractor operations — the liability requirements of facility owners, the workers comp risks of operating in industrial environments, and the professional liability exposure of process and mechanical design-build work.
Facility Owner Insurance Expertise
We know refinery and chemical plant owner insurance requirements — specific AI forms, umbrella limits, CPL requirements, and certificate language. Your program is built to satisfy these requirements.
High-Limit Umbrella Capacity
We access umbrella and excess capacity up to $25M for heavy industrial contractors. Meeting the highest facility owner liability requirements is a core capability of our industrial contractor programs.
Industrial Facility WC Specialists
Workers comp for crews working in operating refineries and chemical plants requires carriers who understand the risk. We place industrial contractor WC with carriers experienced in petrochemical facility operations.
Professional Liability for Process Work
Process contractors, design-build firms, and mechanical engineers who provide professional services need E&O coverage separate from GL. We structure professional liability for industrial contractor professional exposure.
From quote request to bound policy in about a day.
Getting industrial contractor insurance for petrochemical and heavy industrial work shouldn't be complicated. Our process is built to move fast.
Contact Us About Your Operation
Call 844-967-5247 or submit an online quote. Tell us about your contracting type — mechanical, electrical, civil, process — and the facility environments where you work.
We Evaluate Your Project Profile
We review your industrial contracting operation — project types, facility environments, crew size, professional services provided — and identify the right carrier and program structure.
Receive Your Complete Program
We present GL, workers comp, professional liability, umbrella, and CPL — coordinated program with coverage explanations and premium breakdown by line.
Bind and Get Certificates
Approve the program. We bind coverage and issue certificates with the AI endorsements, umbrella limits, and policy language your facility owner clients require.
Or call 844-967-5247 — usually answered live.
Full-Spectrum Coverage for Heavy Industrial Contractors
Industrial contracting in operating facilities creates GL, pollution, professional, and workers compensation exposures that generic contractor programs don't address. We build programs that do.
- Phoenix Metro — Serving industrial contractors throughout greater Phoenix including Chandler, Mesa, Tempe, Scottsdale, and Gilbert.
- Tucson — Industrial contractor programs for southern Arizona operations and border region projects.
- Flagstaff — Coverage for northern Arizona industrial contractors on major utility and industrial projects.
- Yuma — Industrial contractor insurance for western Arizona and regional industrial projects.
Licensed all 50 states
Writing industrial contractor programs nationwide
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Industrial contractors insured nationwide
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Years insuring specialty contractors
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Average quote turnaround
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States licensed & writing
Trusted by Heavy Industrial Contractors Nationwide.
“We do mechanical contractor work in refineries and chemical plants across the Gulf Coast. The additional insured requirements, umbrella limits, and CPL are standard asks from every facility owner. Industrial Contractors Insurance put us with a carrier who understands petrochemical facility work — we get the certificates we need without the runaround.”
Carlos M.
Owner, Gulf Mechanical Contractors · Texas
“We're a process contractor on major industrial turnarounds. The professional liability exposure from our design-build work is significant. CCA structured our E&O coverage specifically for process contractor risk — it covers our professional services, not just our physical work. That distinction matters.”
Diana W.
President, Process Systems Inc. · Louisiana
“Workers comp for industrial contractor crews in operating facilities is a specialty. Our old carrier didn't understand the risk and we paid for it at audit every year. CCA got us with a carrier who understands heavy industrial operations — correct classification, accurate audit, and claims handled by people who know the industry.”
Frank B.
Safety Director · Ohio
Industrial Contractors Insurance Questions Answered.
Heavy industrial contractors typically need: GL with appropriate AI endorsements for facility owners; workers comp covering operating facility hazards; professional liability for design-build and process engineering services; CPL for work in chemical and petrochemical environments; commercial auto; inland marine for equipment; and umbrella to meet facility owner limit requirements.
Refinery and chemical plant operators typically require $5M to $25M in total liability capacity depending on project type and facility risk level. Some major operators require specific umbrella policies with the operator named as additional insured. We access the capacity to meet these requirements.
Mechanical contractors who provide design-build services, engineering input, or professional recommendations face professional liability exposure if those services cause a loss. A mechanical contractor who specifies a system that fails may face a professional liability claim separate from any GL claim.
GL has a pollution exclusion that can apply to chemical exposures, process material releases, and other pollution conditions that industrial contractors encounter in operating facilities. CPL explicitly covers third-party claims arising from pollution conditions — covering what GL excludes.
Yes. We write industrial contractor programs in all 50 states. GL typically covers you wherever you work. Workers comp requires state-specific coverage; we coordinate multi-state WC programs. Some states have monopolistic state funds that require separate handling.
Petrochemical operators typically require ISO CG 2010 (ongoing operations) and CG 2037 (completed operations) AI endorsements, primary and non-contributory language, waiver of subrogation, and umbrella limits specified in the contractor agreement. Some operators have proprietary endorsement requirements. We build these into your policy before you mobilize.
Yes. Workers comp covers occupational disease and injury from chemical exposure in industrial facility environments — process chemical contact, toxic vapor exposure, and related conditions. Carriers familiar with industrial facility environments handle these claims more accurately than general market carriers.
Yes. GL does not cover your own tools and equipment. An inland marine or equipment floater covers your contractor equipment at project sites, in transit, and at your yard. For industrial contractors with significant equipment deployed across multiple active projects, inland marine is essential.
Umbrella provides limits above your primary policies and may include its own coverage grant. Excess follows the form of the underlying policy strictly. For industrial contractors, both provide additional capacity above GL and auto. The key question is how each interacts with CPL — we structure your program so coverage layers work together without gaps.
Yes, in most cases. We work with multiple carriers who write industrial contractors with prior claims history when the account is otherwise strong. Transparency about prior claims helps us find the right carrier fit.
An installation floater covers materials, equipment, and work in progress at project sites during industrial construction and turnaround work. For major industrial projects with significant material and equipment pre-positioned at project sites, an installation floater protects against theft, damage, and loss before project completion and owner acceptance.
Professional liability for process contractors covers claims alleging your professional services — process design, engineering recommendations, system specifications — caused a financial loss. It is claims-made coverage, meaning you need active coverage when the claim is filed. We explain claims-made mechanics and tail coverage when structuring your E&O program.
Industrial contractor WC classification depends on work type — pipe fitters, millwrights, electricians, and boilermakers each have specific codes. Correct classification matters for premium accuracy and audit compliance. We verify your classification before binding.
Once your program is bound, we issue certificates same day including AI endorsements, umbrella limits, and the specific endorsement language your facility owner requires. Contact us at 844-967-5247 for priority certificate issuance before mobilization.
Yes. Monthly payment plans are available through most carriers and premium finance options for industrial contractor programs.
Yes. We insure both union and non-union heavy industrial contractors. Union contractors may have specific reporting and audit requirements under their collective bargaining agreements; we are familiar with these requirements.
Most facility owners require $1M to $2M per occurrence at minimum. Refinery and chemical plant operators often require $5M or more total — which means carrying a $1M primary GL plus a $4M or higher umbrella. We build the complete program around your specific client requirements.
We target 15-minute turnarounds for standard industrial contractor programs. Complex multi-state operations or accounts with professional liability and umbrella requirements may take a few hours to properly market. Call 844-967-5247 for fastest service.
Program cost depends significantly on your operation — contractor type, annual revenue, crew size, states, and facility environments. A comprehensive program for a mid-size industrial contractor typically runs $20,000 to $75,000 annually across all lines. Call us for a specific quote.
Call 844-967-5247 (Mon–Fri 8am–5pm MST), email josh@contractorschoiceagency.com, or submit the online quote form. We are at 12220 E Riggs Road, Suite #105, Chandler AZ 85249. NPN 8608479, licensed all 50 states.
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