https://completemarkets.com/company/sloanmason/refinery-chemical-plant-and-power-generation-facility-contractors-insurance/
Sloan Mason Insurance Services, Inc. now offers access to a new facility with multiple "A"-rated carriers to place General Liability, Pollution, Professional, Auto and Umbrella programs for Refinery, Chemical Plant & Power Generation Facility Contractors Insurance. This program is designed for contractors who perform inspection, installation, repair and related specialty services at heavy industrial sites.
Target classes and ideal accounts
This program is aimed at specialty contractors and service firms working in refinery, chemical plant and power generation environments. Target classes include:
Welding and process piping
Boiler inspection, installation and repair
Machinery inspection, installation and repair
Millwright work
Field machining
Turbine inspection, installation and repair
Compressor and pump inspection, installation and repair
Coverage highlights and program advantages
Multi-line solutions: placement options for GL, Pollution, Professional (E&O), Auto and Umbrella to provide coordinated coverage for complex industrial exposures.
Access to several "A"-rated carriers through Sloan Mason’s wholesale broker facility, increasing chances of placement on difficult accounts.
Underwriting tailored to specialty contractors working at operational heavy industrial sites—focus on controlled-site exposures, contractual liability, and pollution management.
Underwriting notes and minimum premiums
Underwriters will evaluate operational controls, loss history, project scope, contractual arrangements and pollution exposures. The facility has minimum premium thresholds as follows:
$10,000 minimum premium for General Liability
$5,000 minimum premium for Pollution and Professional coverages
$10,000 minimum premium for Umbrella liability
Typical submission requirements for a full underwriting review:
Five years of payroll history
Five years of currently valued carrier loss runs by line (valued within 120 days of requested effective date)
ACORDs by line of coverage requested
Completed supplemental application(s)
Please view the Refinery, Chemical Plant and Power Generation Facility Contractors Data Sheet for the program supplemental application and data requirements.
Appetite and common declinations
Well suited: experienced specialty contractors and inspection/installation teams working under formal site safety and environmental controls, with documented safety programs and stable loss history.
Typically not a fit: contractors with uncontrolled or unresolved pollution exposures, contractors primarily performing large turnkey construction where the insured assumes general contractor responsibilities without adequate controls, or accounts with recent frequent large losses—such business may be referred for alternative market placement.
Territories and market positioning
Sloan Mason offers this program broadly across the U.S. territory list below. The facility operates with most available markets (admitted and non-admitted placement options may be considered depending on state and risk):
AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY
Why work with Sloan Mason on this business
Wholesale broker access to multiple "A"-rated markets increases placement options for challenging industrial contractor risks.
Dedicated underwriting focus on refinery, chemical plant and power generation contractor exposures helps produce coordinated multi-line placements.
Streamlined submission checklist and supplemental data sheet to speed review and improve quote accuracy.
Example accounts that fit this program
An industrial millwright firm that performs turbine alignments and on-site machining for a power plant, with documented safety programs and three years of clean loss history.
A mechanical contractor that installs and repairs compressors and pumps at a chemical processing facility under written site access and pollution control procedures, seeking GL, pollution and excess limits.
Frequently Asked Questions
What types of contractor accounts are a good fit for this program?Specialty contractors who perform inspection, installation, repair and machining services at refineries, chemical plants and power generation facilities—examples include welding/process piping, turbine work, compressors/pumps, millwrights and boiler services with documented safety and pollution controls.
What minimum documentation do I need to submit for a complete review?Provide five years of payroll history, five years of currently valued loss runs (valued within 120 days), ACORD applications by line, and completed supplemental application(s). Use the program data sheet linked above for the supplemental forms.
What are the program minimum premiums?The facility’s stated minimums are $10,000 for General Liability, $5,000 for Pollution and Professional, and $10,000 for Umbrella. Final premium depends on class mix, limits and loss experience.
Is this available nationwide and are admitted markets offered?The program is available across the listed U.S. states and operates with most available markets. Sloan Mason can consider admitted or non-admitted placement depending on state rules and the specific risk.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/sloanmason/General-Products-Liability/
Sloan Mason Insurance Services, Inc. specializes in placing challenging and hard-to-place risks, with a strong focus on Product Liability Insurance and General Liability coverage. As a wholesale broker with access to multiple carriers, Sloan Mason offers flexible solutions for manufacturers and distributors whose products or operations fall outside of standard underwriting appetites. Whether your client produces industrial components or consumer goods, Sloan Mason can help tailor a liability policy that addresses complex exposures and risk transfer needs.
Ideal Accounts and Appetite
Sloan Mason is a strong market for agents and brokers working with niche or higher-risk manufacturers and distributors. They regularly consider accounts involving:
Amusement Devices
Automobile/Truck Parts (non-critical)
Boats and Marine Products
Chemicals and Pharmaceuticals
Consumer Products and Toys
Contractors Equipment and Machinery
Fireworks
Medical and Diagnostic Equipment
Personal Protective Equipment
Lawn & Garden Equipment
Mining and Railroad Equipment
Pesticides and Plastics
Printing Presses
Sporting Goods (excluding football helmets and trampolines)
Trailers, Tanks, and Valves
And more
You might have a client who manufactures aftermarket marine components or distributes specialty consumer electronics—both examples of accounts Sloan Mason can evaluate. Their underwriters are prepared to review applications with unique exposures that traditional markets may decline.
Coverage Highlights and Advantages
Sloan Mason’s Product Liability solutions are built for complexity. Key benefits include:
Access to multiple carriers, including some admitted markets where available
Customized terms, including high deductibles and self-insured retention options
Capacity up to $2 million per occurrence
Support for emerging product technologies and legacy product exposures
Their tailored approach makes them a valuable partner when navigating liability issues tied to manufacturing, importing, or distributing goods with challenging safety, compliance, or usage factors.
Underwriting Notes and Minimum Premiums
Limits available up to $2 million per occurrence
Minimum premium: $15,000 for $1 million limit
Minimum deductible: $10,000
Due to the specialized nature of this program, complete application submissions and detailed product information are strongly encouraged to ensure the best possible underwriting outcome.
Territories and Availability
This Product Liability Insurance program is available in most U.S. states, including but not limited to CA, TX, FL, NY, IL, and PA. Sloan Mason supports licensed agents and brokers across 48 states and Washington, D.C. Reach out to confirm specific state availability or to discuss multistate exposures.
Why Work With Sloan Mason
With years of experience in placing hard-to-place liability risks, Sloan Mason brings deep underwriting knowledge, a responsive service model, and access to multiple markets to help you secure reliable coverage for your manufacturing and distribution clients. Their strength lies in evaluating risks that require a more thoughtful, customized strategy—especially when standard markets say no.
Call Sloan Mason today to discuss your Product Liability Insurance opportunities and get expert help navigating this complex line of business.
Frequently Asked Questions
What types of accounts are a good fit for this program?This program is ideal for manufacturers and distributors of products with elevated liability exposures, including amusement devices, consumer goods, medical equipment, and specialty machinery.
Are admitted markets available for this coverage?Yes, Sloan Mason has access to both admitted and non-admitted markets, depending on the state and risk profile.
What is the minimum premium for this Product Liability program?The minimum premium starts at $15,000 for $1 million in coverage, with higher limits available.
Are certain products excluded from coverage?Yes, Sloan Mason does not typically write football helmets or trampolines. All submissions are reviewed on a case-by-case basis.
Which states is this program available in?This program is available in most U.S. states, including CA, TX, NY, FL, and many others. Contact Sloan Mason to confirm availability in your client’s state.
Need help placing an account? Connect with a market specialist.