Client: A Riverside County welding contractor · Coverage: General Liability $1M/$2M + $4M Commercial Excess Liability · Status: Bound
The problem
The contractor wanted $5M in total liability protection, and a large materials-supplier customer was asking for certificates of insurance. The first excess quote available only ran short-term to match the existing GL expiration, and the owner wanted both policies on a full 12-month term.
How Pierce helped
- Worked with the wholesale broker to rewrite the general liability policy so both layers could share one annual term
- Pushed for underwriter approval of an annual $4M excess term with Nautilus over the new Scottsdale GL
- Laid out two payment options (two-pay vs. premium finance) so the owner could choose by cash flow
- Issued the certificate of insurance to the customer's vendor team once bound
The result
Both policies were bound effective 09/02/2026 for one year: $1M per occurrence / $2M aggregate GL with a $4M excess layer, for $5M in total protection. A certificate was delivered to the customer.
Why it worked
Rewriting the primary policy instead of accepting a short-term excess kept the program on one clean renewal date and avoided buying excess twice in one year.
Related coverage
Welding Business Insurance · Contractors Insurance in California · Commercial Umbrella & Excess Liability Insurance · General Liability Insurance · Request a Certificate of Insurance
Facing something similar? Call 888-391-5981 or request a quote. A licensed agent will review your situation.
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.