Industrial Mechanical & Refinery Contractor Insurance in Texas
Working inside the fence means facing risks standard carriers hide from—ammonia, steam, and complex compliance. We build the Pollution & Action-Over compliant programs that get your ISNetworld® grade to an “A” so you can enter the gate.
Built for the Refinery, Not the Office
If you do Turnarounds, Shutdowns, or Capital Projects, you know standard carriers hate the risk. We build the programs that actually pass the MSA reviews from Valero, Exxon, and Kinder Morgan—so you can enter the gate.
From spool pieces to high-pressure steam lines. We find the markets that don’t exclude “Hot Work” so you can weld in peace.
Moving heavy machinery requires Rigging Liability (On-Hook). Standard policies exclude damage to the item you are lifting. We cover it.
Long-term maintenance contracts require specific “Action Over” wording. We ensure your policy matches the owner’s insurance manual.
Educational note: We use wholesale E&S markets to place risks that admitted carriers reject. This is “Heavy” insurance for heavy work.
The “Industrial” Coverage Blocks
You don’t need a “Business Owners Policy.” You need specific endorsements to satisfy the Plant Manager’s legal department.
Pollution & Ammonia
Standard GL has an “Absolute Pollution Exclusion.” That means if you cut an ammonia line or cause a leak, you have $0 coverage. We buy it back.
- Contractors Pollution Liability (CPL)
- Site Specific or Blanket
Action Over / 3rd Party
The #1 rejection in refineries. If your employee gets hurt and sues the plant, the plant sues you. You need this specific buyback.
- Employer’s Liability Gap
- Required by MSA
Comp for Industry
We classify your guys correctly (Millwrights, Pipe Work, Machinery Install). No “miscoding” them just to get a cheap quote that fails audit.
- USL&H (Near Water Work)
- Waiver of Subrogation
Tools & Equipment
From welding rigs to rented lifts. If it’s on your truck, in your yard, or at the job site, we cover it against theft and damage.
- Rented Equipment Coverage
- Rigging/Hook Liability
Commercial Auto
Heavy fleets entering plants carry high liability. We write the $1M Auto Liability required to get your sticker at the gate.
- Fleet Schedules
- Hired & Non-Owned
Excess Liability
The contract asks for $5M or $10M limits? We stack multiple carriers to build the “Tower” you need to sign the deal.
- $5M – $25M Capacity
- Follow Form Pollution
MSA & Contract Review
Send us the contract from the Plant *before* you bid. We spot the “gotchas” in the insurance section so you know the real cost.
- ISNetworld® Help
- Avetta Compliance
Subcontractor Risk
Hiring 1099 welders or subs? You’re on the hook for them. We make sure your policy covers you for the labor you hire.
- Independent Contractor Coverage
- Audit Protection
Why You Get Blocked from the Plant
It’s usually two things: The “Pollution Exclusion” buried in page 90 of your policy, or not having the “Action Over” coverage the refinery demands.
The “Pollution” Trap
Standard carriers exclude pollution. But if you are working with pipes, valves, or ammonia, you have a pollution risk. A standard GL policy leaves you exposed.
- The Fix: We add CPL (Contractors Pollution Liability) to cover leaks and fumes.
- The Result: You are compliant with the Master Service Agreement.
- The Cost: Usually surprisingly affordable compared to losing the contract.
The “Action Over” Lawsuit
Refineries in Texas know the law. If your employee gets hurt, collects work comp, and then sues the refinery, the refinery wants YOU to pay for it.
- The Exclusion: Cheap policies exclude “Contractual Liability” for this.
- The Fix: We remove the exclusion so you are covered for third-party suits.
- Compliance: This is the #1 reason ISNetworld® grades fail. We fix it.
How We Build Your Quote
This isn’t an instant online quote. This is a negotiated deal with heavy underwriters. We need to sell your “Story” to them.
We need your Loss Runs (5 years), your Safety Manual (for ISNetworld®), and the types of plants you enter.
We take your file to the Wholesale brokers (CRC/RT Specialty) and fight for the Pollution coverage and Action Over buybacks.
We show you exactly what’s excluded and what’s included, and confirm it meets your ISNetworld® grades.
What helps us move faster
- Currently Valued Loss Runs (5 Years)
- Safety Manual Table of Contents
- Vehicle List (VINs & Values)
- Copy of the Contract Requirements
The Deal Breakers
- Do you do any residential work? (Hard NO for some)
- Do you use subs without insurance?
- Have you had open claims in the last year?
FAQ
Straight answers for industrial contractors.
Ready to clear the Compliance Check?
Don’t let a bad policy keep you off the bid list. Start the quote process and we will build the program your contract demands.
Educational note: This page is informational. “Pollution Coverage” and “Excess Limits” are subject to underwriting approval.