Umbrella / Excess Liability for Industrial Coating Contractors
Industrial coating contractors working on major projects increasingly need $5M to $10M in total liability capacity. Umbrella coverage provides additional limits above your primary GL and auto policies at a fraction of the cost of increasing primary limits.
What it covers
- Additional liability limits above your primary general liability policy
- Additional limits above your commercial auto liability
- Additional limits above your employers liability (WC)
- Broader coverage in some cases where the umbrella drops down to cover gaps
- Defense costs above primary policy limits
Who it's for
- Coating contractors working on industrial projects that require $5M+ total liability
- Contractors bidding on refinery, chemical plant, or municipal bridge projects with high limit requirements
- Established coating operations with significant revenue and corresponding liability exposure
- Any coating contractor where a single large claim could threaten business viability
Why CCA
- Umbrella quotes included with your primary program — total cost of coverage is transparent
- Carriers whose umbrellas follow-form to your primary GL and CPL where possible
- Capacity up to $10M and above available through excess layers
- Fast certificate issuance when projects require umbrella as a condition of work
Common questions about umbrella / excess liability
Your umbrella sits above your primary GL limit. If a GL claim exhausts your $1M per occurrence limit, the umbrella pays the next $5M or $10M. It is sometimes called excess coverage when it strictly follows the primary policy form.
This depends on the umbrella form. Some umbrellas follow the CPL policy; many have pollution exclusions similar to GL. We review the umbrella terms against your CPL to identify any gaps.
A $5M umbrella for a coating contractor typically costs $3,000 to $8,000 annually depending on underlying limits, revenue, and operations. It is one of the most cost-effective ways to meet project liability requirements.
Yes. Contractors Choice Agency holds licenses in all 50 states and writes industrial coating contractor insurance programs coast to coast. NPN 8608479.
We work with AM Best A+ rated specialty carriers with proven appetites for industrial coating contractor risks. Carrier selection depends on your specific operation, state, coating types, and project profile.
Contact us immediately at 844-967-5247. We provide 2-hour claims response during business hours and will guide you through the process of notifying your carrier and documenting the loss.
Yes. Monthly payment plans are available through most carriers and premium finance options. We can walk you through payment options when presenting your quote.
Yes. We can help manage certificates of insurance for your subcontractors and issue certificates to project owners and GCs as required by your contracts.
Founded in 2005 — over 20 years insuring specialty contractors. Industrial coating contractor programs have been a focus area since 2010.
Basic information: your business name, years in business, annual revenue, number of employees, states you work in, coating types, typical project types, and current coverage (if any). Claims history for the past 5 years is also helpful.
Yes, we insure coating contractors from startups to established multi-crew operations. New businesses may have fewer carrier options, but we can typically place coverage that meets your project requirements.
We are experienced with project-specific AI requirements — ISO CG 2010/2037, blanket AI, named AI with specific language. Tell us what your contract requires and we will confirm your policy meets those requirements before binding.
Yes. Multi-state operations are standard for us. Your GL policy typically covers you wherever you work. Workers comp requires separate policies for each state where you have employees — we coordinate multi-state workers comp programs.
844-967-5247, Monday through Friday 8am to 5pm Mountain Time.
12220 E Riggs Road, Suite #105, Chandler, AZ 85249. We serve clients nationwide by phone and online.
josh@contractorschoiceagency.com. We respond to quote requests within 15 minutes during business hours.
Yes. Submit the online quote form at industrialcoatinginsurance.com/quote and we will respond within 15 minutes during business hours. For fastest service, call 844-967-5247 directly.
Pair it with related coverage
Get Your Industrial Coating Contractor Insurance Quote
GL, CPL, workers comp, and more — specialist programs for epoxy, protective, and anti-corrosion coating contractors nationwide.