By Drew Moyer, Underwriter – GL · USMC Insurance
Underwriting Services Management Co (USMC Insurance), an E&S MGA, writes general liability specifically for rebar installation contractors in every U.S. state except Alaska. Eligible work includes rebar fabrication, rebar mesh fabrication and installation, and rebar installation — including new ventures — with limits up to 2M/4M/4M, Action Over coverage, and a $100,000 minimum premium.
Why rebar contractors are hard to place
Rebar installation is a heavy-construction trade with real bodily-injury exposure, so many standard carriers decline it or lump it into a generic “concrete contractor” class that doesn’t fit. An E&S MGA that underwrites rebar directly can offer terms built for the actual work.
What rebar work is eligible?
- Rebar installation
- Rebar fabrication
- Rebar mesh fabrication and installation
- New ventures (start-up contractors)
Ineligible: super-structure work.
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 | $100,000 |
| Action Over | Available; NY SIR of $10K third-party / $25K Action Over |
| States | All U.S. states except Alaska |
How brokers submit
ACORD 125 and 126, USMC’s supplemental application, and a 5-year loss history (resume required if in business 3 years or less). New ventures welcome.
Frequently asked questions
Does USMC write new or start-up rebar contractors?
Yes — new ventures are an eligible exposure.
Is Action Over coverage available for rebar contractors?
Yes, including in New York, subject to a self-insured retention.
What is the minimum premium?
$100,000.
Learn more about USMC’s Rebar Installation Contractors coverage or explore related structural steel coverage. Contact our underwriting team for a quote.
See also USMC’s coverage for structural steel contractors in the E&S market.