Client: Welding contractor · Coverage: General liability + $4M excess + commercial auto
The challenge
A Los Angeles-area welding contractor landed work that required $5 million in total liability limits. Hot work is a class many standard carriers won’t write, and the business also needed coverage for a heavy-duty work truck.
What we did
- Placed general liability for the welding operations with a specialty carrier that writes hot work
- Added a $4 million excess liability policy on top, bringing total limits to the contract’s $5 million
- Quoted commercial auto for the heavy pickup used to haul equipment
- Issued certificates with the additional insured wording the contract called for
The result
The contractor had the full $5 million in limits the contract required, from carriers that write welding.
What other business owners can learn
If a contract asks for more than $1–2 million, an excess or umbrella policy on top of your general liability is usually the most affordable way to get there.
Have a similar situation? Request a quote or call 888-391-5981. Learn more: Welding & fabrication insurance · More case studies
Client names and identifying details are withheld for privacy. This story is based on an actual placement by our agency. Coverage and pricing for your business depend on your own details.