Welding Contractor Insurance

Overview of the Program from Gladius Insurance Services, LLC

Gladius Insurance Services, LLC places Welding Contractor Insurance through a specialty Excess & Surplus Lines broker program with Certain Underwriters at Lloyd’s, London. This non-admitted E&S program targets welding and related artisan contractors and offers flexible primary limits (up to 5/5/5) and competitive pricing for qualified risks.

Artisan Program Highlights

• A Rated by AM Best
• Available in: AZ, CA, ID, NV, NJ, ND, OH, OR, PA, UT
• Apartments OK
• New ventures acceptable
• No prior policy required
• Minimum premiums starting at $2,000
• Roofers OK — open roof coverage available
• EIFS coverage can be included (subject to underwriter approval)
• Blanket Additional Insured, Primary/Noncontributory, Waiver of Subrogation and Per Project aggregate options available
• Subsidence considered with underwriting approval
• Prior projects acceptable with limitations
• No exclusion for new construction or remodels to condos/townhomes
• Will consider accounts with prior claim activity
• New construction and restoration work on residential and commercial projects, including custom and spec homes, considered

Available Limits

1/1/1    2/2/2    3/3/3    4/4/4    5/5/5

Ideal Accounts and Appetite

This program is designed for welding contractors and multi-trade artisan contractors that perform welding, sheet metal, structural metal work and related services. Gladius’s appetite includes:

• Small to mid-sized contractors with annual receipts under $1,500,000
• New ventures and accounts without prior coverage
• Trades working on residential and light commercial projects, including remodels and restorations
• Accounts that need primary limits up to 5/5/5 or specific additional insured/primary language

Examples you might place through this program:

• A welding subcontractor installing structural steel for small commercial tenant improvements with a need for 3/3/3 limits and primary additional insured wording.
• A residential fabricator and welder performing custom metal stair and railing work for luxury homes, newly formed with limited loss history.

Coverage Highlights and Advantages

• Access to an A-rated Lloyd’s market through Gladius’s E&S platform.
• Flexible primary general liability limits up to 5/5/5.
• Blanket Additional Insured, Primary & Waiver options to meet many GC/contract requirements.
• Consideration of higher risk classes (roofing, EIFS, subsidence) with underwriter review.
• New ventures and accounts with prior claims are considered—underwriter discretion applies.

Underwriting Notes and Minimum Premiums

Key underwriting points to note:

• Minimum premiums start at $2,000.
• Receipts over $1,500,000 are generally ineligible.
• General contractors (GCs) are not eligible—this program is for subcontractors/artisans.
• EIFS, subsidence and prior projects can be included only with underwriter approval and may require supplemental information.
• Commercial general liability is primary on the policy; available limits listed above.

Available Classes

The program writes a broad list of artisan classes, including but not limited to:

• Air Conditioning
• Appliance Installation
• Carpentry (Interior / NOC)
• Chimney Cleaning
• Communication Equipment
• Concrete Construction
• Debris Removal
• Window Installation / Cleaning
• Paving (driveway, curb)
• Electrical
• Flooring
• Fencing
• HVAC
• Insulation
• Janitorial
• Landscape (*Herbicide and pesticide coverage available)
• Masonry
• Painting
• Plumbing
• Roofing
• Septic Tank
• Sheet Metal
• Siding
• Tile
• Welding

Territories and Availability

This non-admitted E&S program through Gladius is available in AZ, CA, ID, NV, NJ, ND, OH, OR, PA and UT. Availability and terms may vary by state and underwriter discretion.

Why Work with Gladius Insurance Services, LLC on Welding Contractor Insurance

• Specialty placement capability with Certain Underwriters at Lloyd’s, providing capacity and flexibility for artisan risks.
• Willingness to consider new ventures and accounts with prior claim activity.
• Options for contract certainty: blanket additional insured, primary/non-contributory and waiver of subrogation wording.
• Straightforward appetite guidance that helps you quickly identify appropriate submissions.

Frequently Asked Questions

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