Umbrella / Excess Liability for Industrial Coatings Contractors
DOT bridge painting contracts, petrochemical facility work, and major infrastructure projects routinely require $5M to $10M or more in total liability capacity. Umbrella coverage provides those limits above your primary GL and auto at a fraction of the cost of high primary limits.
What it covers
- Additional liability above your primary GL policy
- Additional limits above commercial auto liability
- Additional limits above employers liability
- Broader coverage where the umbrella drops down to fill primary gaps
- Defense above exhausted primary limits
Who it's for
- Bridge painting contractors bidding DOT and public authority contracts with high limit requirements
- Petrochemical and industrial facility coatings contractors with major operator AI requirements
- Established industrial coatings contractors with significant revenue and project scale
- Any coatings contractor whose client contracts specify minimum total liability capacity
Why CCA
- Umbrella quotes included with your primary program — total cost is transparent at the start
- Access to excess layers above $10M for the largest coatings contractors
- Carriers whose umbrellas follow-form to your GL and CPL where possible
- Fast certificate issuance showing total combined limits for project bid packages
Common questions about umbrella / excess liability
State DOT requirements commonly range from $5M to $10M total capacity. Major span projects over navigable waterways or high-traffic corridors may require $10M to $20M. We access the capacity levels your project requirements demand.
This depends on the umbrella form. Some umbrellas follow the CPL; others have their own pollution exclusions. We review the umbrella terms against your CPL to identify any coverage gaps and address them in your program structure.
Yes. Contractors Choice Agency holds licenses in all 50 states and writes industrial coatings contractor programs for major projects coast to coast. NPN 8608479.
AM Best A+ rated specialty carriers with appetites for industrial coatings contractor risks. Carrier selection is based on your operation type, project profile, and state.
Call 844-967-5247 immediately. We provide 2-hour claims response during business hours and will guide you through your carrier's notification requirements.
Yes. Monthly payment plans are available through most carriers and premium finance options.
Yes. Once coverage is bound, we issue certificates same day including additional insured endorsements, primary/non-contributory language, and waiver of subrogation as required by your project.
Since 2005 — over 20 years. Industrial coatings contractor programs are a specialty focus.
Business name, years in operation, annual revenue, number of employees, states where you work, project types (bridges, facilities, tanks), coating systems used, and claims history for the past 5 years.
Yes. Newer coatings contractors may have fewer carrier options, but we can typically place coverage that meets your project requirements for DOT or facility owner bids.
We are experienced with DOT AI requirements and facility owner contract language. Tell us what your contract specifies and we will confirm your policy meets those requirements before binding.
Yes. We coordinate multi-state workers compensation programs as standard for industrial coatings contractors who work across state lines.
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 industrialcoatingsinsurance.com/quote and we will respond within 15 minutes during business hours, or call 844-967-5247.
Pair it with related coverage
Get Your Industrial Coatings Contractor Insurance Quote
GL, CPL, workers comp, and high-limit umbrella — programs built for coatings contractors on bridges, industrial facilities, and major infrastructure projects.