Umbrella / Excess Liability for Heavy Industrial Contractors
Petrochemical operators and major industrial facility owners routinely require $5M to $25M in total liability capacity. Umbrella and excess liability provides those limits above your primary GL and auto cost-effectively.
What it covers
- Additional limits above primary GL
- Additional limits above commercial auto liability
- Additional limits above employers liability (WC)
- Defense costs above primary policy limits
- Broader coverage where the umbrella drops down to fill primary gaps
Who it's for
- Industrial contractors working on refinery and chemical plant projects with high limit requirements
- Contractors bidding on major public and private industrial facility projects
- Established industrial contractors with significant revenue and project scale
Why CCA
- Umbrella and excess capacity to $25M and above for major industrial contractors
- AI endorsements on umbrella for facility owners requiring umbrella AI
- Umbrella structured to follow GL form — clear coverage coordination
- Excess layers above umbrella for the highest capacity requirements
Common questions about umbrella / excess liability
Commonly $5M to $25M depending on the operator and project. Major refinery and chemical plant operators have specific requirements by project type. We structure umbrella to meet your largest anticipated requirement.
This depends on the umbrella form. Many umbrellas follow GL and have the same pollution exclusion. CPL handles pollution claims separately. We review coverage coordination to ensure no gaps.
Yes. Contractors Choice Agency holds licenses in all 50 states and writes heavy industrial contractor programs coast to coast. NPN 8608479.
AM Best A+ rated specialty carriers with appetites for heavy industrial contractor risks. Carrier selection is based on your operation type, facility environments, and states.
Call 844-967-5247 immediately. We provide 2-hour claims response during business hours.
Yes. Monthly payment plans and premium finance options are available for industrial contractor programs.
Yes. Once coverage is bound, we issue certificates same day including AI endorsements and umbrella evidence as required by your facility owner clients.
Since 2005 — over 20 years. Heavy industrial contractor programs have been a specialty focus since 2009.
Business name, years in operation, annual revenue, number of employees, contractor type, states where you work, typical project environments, and claims history for the past 5 years.
Yes. Newer businesses may have fewer carrier options for high-limit umbrella, but we can typically place coverage that meets initial project requirements.
Yes. We coordinate multi-state workers compensation programs as standard for industrial contractors who work across state lines and jurisdictions.
Yes. We insure both union and non-union industrial contractors.
844-967-5247, Monday through Friday 8am to 5pm Mountain Time.
12220 E Riggs Road, Suite #105, Chandler, AZ 85249.
josh@contractorschoiceagency.com.
Yes. Submit the quote form at industrialcontractorsinsurance.com/quote and we will respond within 15 minutes during business hours.
Pair it with related coverage
Get Your Industrial Contractor Insurance Quote
GL, workers comp, umbrella, and CPL — programs built for mechanical, electrical, civil, and process contractors on major industrial projects.