What is Metal Erection Contractors General Liability?
This policy responds if a client, visitor, or passerby is hurt or their property is damaged because of your operations, completed work, or products. It typically covers legal defense costs, medical payments, and settlements up to the policy limits. It is different from specialty policies like builders risk or workers’ compensation, but it often works alongside equipment coverage and commercial auto exposure in a contractor’s insurance program.
Who needs it
Contractors, erectors, subcontractors, and small firms that handle metal framing, curtain walls, storefronts, and decorative metalwork generally need this protection. Owners who supervise crews, rent equipment, or transport materials should consider combining general liability with commercial auto and equipment coverage to reduce gaps. Specialized firms may also review specific products and operations with an underwriter to address unique exposures.
What it typically covers
Common coverages include:
- Third‑party bodily injury and property damage liability.
- Products‑completed operations for work already finished.
- Personal and advertising injury (limited coverage for slander, libel, etc.).
- Medical payments for minor, immediate injuries on site.
For steel framing or heavy structural work, contractors often reference specialized endorsements—see the Steel Erector General Liability Insurance for examples of tailored coverage for those risks.
Common exclusions or limitations
Typical policy exclusions include professional design errors, pollution, intentional acts, and employee injuries (covered by workers’ compensation). Damage to your own tools and equipment is usually excluded unless you buy specific equipment coverage. Claims related to transportation may be limited if you don’t carry adequate commercial auto insurance.
Factors that influence cost
Insurers consider business size, payroll, revenue, history of claims, type of projects (e.g., frame vs. decorative installs), subcontractor use, and risk controls on job sites. Underwriting factors such as safety programs, certifications, and contract terms also affect premiums. For non‑structural metal erectors, there may be different rates and available endorsements—learn more about the Metal Erection Contractor (Non Structural) Insurance to compare options.
Proof of insurance & compliance
Many owners and general contractors request certificates of insurance and additional insured endorsements before work begins. Certificates prove coverage limits and effective dates; additional insured status may be required in contracts to extend certain protections to project owners.
How to get a quote
Gather recent loss runs, job descriptions, payroll estimates, and any safety or training documentation. If you have questions about required endorsements or limits, ask your agent.
ask your agent
Related Coverages
Frequently Asked Questions
Do completed projects remain covered after I finish work?
Yes — products‑completed operations coverage handles third‑party claims that arise after work is finished, subject to policy terms and limits.
Will this policy cover my rented tools or equipment?
No, tools and owned equipment are typically excluded; you would need separate equipment or inland marine coverage for those items.
What if a subcontractor causes damage on my job site?
Liability can depend on contracts and who is negligent. Many contractors require subcontractors to carry their own insurance and provide certificates of insurance listing the contractor as an additional insured.
Still have questions? Talk to a local insurance expert.