By Drew Moyer, Underwriter – GL · USMC Insurance
Underwriting Services Management Co (USMC Insurance), an E&S MGA, writes general liability for non-structural and ornamental metal contractors in every U.S. state except Alaska. Eligible work includes railings, stairs, gates, fences, canopies, bollards, dunnage, and decorative/artistic metal, with limits up to 2M/4M/4M and a $20,000 minimum premium.
What ornamental metal work is eligible?
Stairs, railings, gates, fences, canopies, bollards, dunnage, and decorative/artistic metalwork.
What is ineligible?
Structural metal (such as steel beams and columns), fire escapes, elevator shafts, and exterior height work above two stories — other than work on flat-top roofs, terraces, and balconies.
Limits and coverage features
| Feature | Detail |
|---|---|
| Primary limits | 1M/2M/2M or 2M/4M/4M (now offering 2/4/4) |
| Per-project aggregate | $5,000,000 |
| Supported excess | $5M over 1/2/2; $3M over 2/4/4 |
| Minimum premium | $20,000 |
| States | All U.S. states except Alaska |
| Endorsements | Waiver of subrogation, primary & non-contributory, various additional insured |
How brokers submit
ACORD 125 and 126, USMC’s metalworks supplemental, a 5-year loss history (resume required if in business 3 years or less), safety manual, subcontractors’ agreement, and workers’ comp mod.
Frequently asked questions
Does USMC cover structural steel too?
Structural steel is a separate USMC program — this program is for non-structural/ornamental metal only.
What is the minimum premium?
$20,000.
Which states are eligible?
All U.S. states except Alaska.
Learn more about USMC’s Non-Structural Ornamental Metal coverage, or contact our underwriting team for a quote.
See also USMC’s coverage for structural steel contractors in the E&S market.