Colonial General Insurance Agency, Inc. offers a specialized Welding Insurance program designed for contractors performing welding or cutting services for others. This program is ideal for accounts with limited exposure—specifically, those with no more than 15% of their gross receipts coming from metal erection or machinery/equipment installation, servicing, or repair. It is not intended for risks primarily involved in fabrication work.
Ideal Accounts and Appetite
This program targets small to mid-sized mobile or on-site welding contractors. Suitable accounts include independent welders performing repairs, maintenance, or specialty welding in commercial or industrial settings. For example, if you have a client who performs mobile welding on construction sites but has minimal involvement in structural steel erection, this program could be a strong fit.
Accounts that focus heavily on fabrication or have significant exposures related to equipment installation or servicing are outside the appetite.
Coverage Highlights and Advantages
Commercial General Liability Coverage:
- Primary limits up to $3 million occurrence/aggregate
- Medical Payments Coverage included with a $5,000 limit
- Excess or Umbrella limits up to $25 million available
- Minimum deductible of $500 applies
Crime Coverage:
- Inside the Premises—Theft of Money and Securities
- Inside the Premises—Robbery or Safe Burglary of Other Property
- Outside the Premises
Property Coverage Options:
- Basic, Broad, or Special Form
- Building and Business Personal Property
- Accounts Receivable
- Business Income
- Computer and Contractors’ Equipment
- Equipment Breakdown and Installation Floater
- Outside Signs
- Valuable Papers
- Replacement Cost or Actual Cash Value
Underwriting Notes and Minimum Premiums
While underwriting flexibility is available, a minimum deductible of $500 is required. Accounts should be well-managed with a clear focus on welding or cutting services. Risks primarily engaged in fabrication are not eligible. Submit complete applications with accurate revenue breakdowns to ensure proper classification and pricing.
Territories and Availability
This Welding Insurance program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted and non-admitted options are available, depending on the risk and jurisdiction.
Why Work With Colonial General Insurance Agency, Inc.?
Colonial General is a trusted Managing General Agency and Excess & Surplus Lines Broker with deep expertise in specialty contractor programs. By working with Colonial General, you gain access to a variety of markets and tailored underwriting support for welding-related accounts. Their focus on regional availability and practical coverage solutions makes them a valuable partner for agents and brokers placing niche contractor risks.
Frequently Asked Questions
What types of accounts are a good fit for this Welding Insurance program?
Independent welding contractors who perform on-site or mobile services with limited involvement in metal erection or equipment installation are a good fit. Fabrication-focused businesses are not eligible.
Is the program available on an admitted basis?
Some markets are available on an admitted basis, depending on the state and nature of the risk. Non-admitted options are also offered.
What is the maximum liability limit available?
The program offers primary liability limits up to $3 million occurrence/aggregate, with excess or umbrella coverage available up to $25 million.
In which states is the program currently available?
The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
What are common reasons a risk may not be eligible?
Risks primarily involved in fabrication, or those with more than 15% of receipts from metal erection or equipment installation, generally do not qualify.
Need help placing an account? Connect with a market specialist.