Client: A Riverside County diesel and construction-equipment repair business · Coverage: General Liability + Excess Liability · Status: Bound
The problem
A large aggregates (quarry) customer's credentialing service rejected the shop's certificate. It required $2,000,000 per occurrence in general liability, contractual liability, additional insured and primary and non-contributory wording, a waiver of subrogation on workers' comp, and 30-day notice of cancellation. The shop only had a $1M general liability policy, and the first excess market would not write a layer over it without approving the operations first.
How Pierce helped
- Read every line of the customer's deficiency list and built the coverage around it, instead of just reissuing a certificate
- Sent the excess submission to our wholesale partner with the applications, the current GL policy and clean loss runs
- Completed the supplemental application when underwriters needed to approve the equipment-repair operations
- When the excess carrier would only sit over its own GL, rewrote the general liability and the excess together with one A-rated specialty carrier
- Explained the two-policy package in plain language, then issued a certificate with all the required wording, with the customer as certificate holder and the workers' comp included
The result
Both policies were bound on November 6, 2026: $1M/$2M general liability plus a $1M excess layer, for $2M of protection per occurrence. The total was $3,589 for the year, taxes and fees included, paid in full. The corrected certificate went out the same day for upload to the customer's portal.
Why it worked
Customer credentialing requirements are a checklist. Matching the policies to each item, and placing the GL and the excess with the same carrier, removed the underlying-policy obstacle that stalled the first attempt.
Related coverage
Contractors Insurance · Umbrella & Excess Liability · General Liability Insurance · Request a Certificate of Insurance
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Client names and identifying details are withheld for privacy. This story is based on an actual account handled by our agency, as documented in our files. Coverage, pricing and results for your business depend on your own details.