INDUSTRIAL MECHANICAL & PROCESS PIPING

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.

Coverage Details Call 972-696-9995
75+ Insurance Carriers
5★ on Google · 90 Reviews
E&S & Wholesale Access
ISNetworld® Grade Repair

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.

Call 972-696-9995
Process Piping & Welding

From spool pieces to high-pressure steam lines. We find the markets that don’t exclude “Hot Work” so you can weld in peace.

Welding GLHot WorkFab Shops
Millwright & Rigging

Moving heavy machinery requires Rigging Liability (On-Hook). Standard policies exclude damage to the item you are lifting. We cover it.

Rigging FloaterCrane OpsInstall Floater
Plant Maintenance

Long-term maintenance contracts require specific “Action Over” wording. We ensure your policy matches the owner’s insurance manual.

Action OverPollutionContract Review

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
Without it: You nick a line, cause a release, and your GL responds with a denial letter. The cleanup and the lawsuit are on you.

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
Without it: This is the single most common reason ISNetworld® grades fail — and failed grades mean zero plant access.

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
Without it: A misclassified crew means a six-figure audit bill — and you won’t know until the auditor calls 11 months in.

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
Without it: A $150K welding rig stolen from the yard — and your commercial property policy doesn’t cover mobile equipment.

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
Without it: A truck entering a refinery with $500K limits when the MSA requires $1M — you’re turned away at the checkpoint.

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
Without it: The contract demands $10M. Your policy has $2M. You don’t sign the deal — someone else does.

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
Without it: You win the bid, then discover the insurance requirements cost $40K more than you budgeted. The margin evaporates.

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
Without it: Your sub’s comp lapses mid-job. Their employee gets hurt. The auditor adds their payroll to your policy — retroactively.

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.
Call 972-696-9995

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 — and we typically submit within 48 hours of receiving your documents.

1 The “Hard” Questions

We need your Loss Runs (5 years), your Safety Manual (for ISNetworld®), and the types of plants you enter.

2 The Negotiation

We take your file to the Wholesale brokers (CRC/RT Specialty) and fight for the Pollution coverage and Action Over buybacks.

3 The Proposal

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?

Not Ready for a Full Quote? Get a Free ISNetworld® Gap Check.

Send us your current ISNetworld® scorecard and we’ll identify the specific endorsements dragging your grade down — Pollution, Action-Over, Waiver of Sub, or limits. No commitment, no obligation.

Request Your Free Gap Check
Takes 10 minutes No obligation Typically responds within 1 business day

FAQ

Straight answers for industrial contractors.

We ask about your MSA requirements, your ISNetworld® grades, your pollution and ammonia exposure, and your Action-Over needs — not just “how many employees do you have.” We use wholesale E&S markets like Lloyd’s, Kinsale, and Evanston because admitted carriers won’t touch this work. If your current agent doesn’t know what “Action Over” means, that’s your answer.
Maybe you wouldn’t. But if your ISNetworld® grade is below an “A,” if your agent can’t explain the Pollution exclusion on page 90 of your GL, or if you’re still getting blocked at plant gates — those aren’t loyalty problems, they’re expertise problems. A free ISNetworld® gap check costs you nothing and tells you whether your current program is actually compliant.
Yes. We access E&S markets that offer CPL (Contractors Pollution Liability) specifically for industrial contractors handling piping and machinery. It’s not free, but it’s usually surprisingly affordable compared to losing the contract — or paying for a cleanup out of pocket.
Yes, if the owner has experience (a resume) and a solid business plan. The down payment will be higher, but we can do it. We represent 75+ carriers, and some of them specifically write new ventures with experienced principals.
Yes. We stack carriers on top of each other to reach $5M, $10M, or whatever the Plant demands. We’ve built towers up to $25M for industrial contractors. The key is making sure the excess layers follow form on pollution — otherwise you have a gap at the exact moment you need the coverage.
Yes. We know the specific wording needed to get your grade up to an “A” so you aren’t blocked from the site. Most failing grades come from missing endorsements (Waiver of Subrogation, Action-Over) or insufficient limits — both of which we address during program design, not after the grade comes back.
We use Wholesale Brokers to access the “Heavy” markets like Lloyd’s of London, Kinsale, Evanston, and others who write industrial risk. We represent 75+ carriers total — the right one depends on your specific operations, loss history, and contract requirements.

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.

75+ Carriers 5★ Google · 90 Reviews E&S & Wholesale Access
Call 972-696-9995

Educational note: This page is informational. “Pollution Coverage” and “Excess Limits” are subject to underwriting approval.

Scroll to Top