By Drew Moyer, Underwriter — General Liability · USMC Insurance
Underwriting Services Management Co (USMC Insurance), an E&S MGA, writes general liability for structural steel contractors up to four stories in exterior height — including work in New York State and the five boroughs — with Action Over coverage. Coverage is available in every U.S. state except Alaska, with limits up to 2M/4M/4M and a $100,000 minimum premium.
Why structural steel is hard to place — and what USMC accepts
Structural steel erection is high-hazard, and New York’s Labor Law exposure makes many markets decline it outright. USMC underwrites the class directly and accepts:
- New ventures
- Exterior height up to 4 stories
- Work in NY State, including the 5 boroughs
Ineligible: super-structure work, and work exceeding 4 stories.
Limits, Action Over, and coverage features
| 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 |
Submission requirements
ACORD 125 and 126, USMC’s metalworks supplemental, a 5-year loss history (resume required if in business 3 years or less), and a subcontractors’ agreement.
Does USMC write structural steel in New York City?
Yes — including the five boroughs, with Action Over coverage subject to a self-insured retention.
What height is eligible?
Up to 4 stories of exterior height; work exceeding 4 stories is ineligible.
Also see USMC’s Structural Steel Coverage program page, our general liability coverage for ornamental & decorative metal contractors and rebar installation contractors, and ask about supported excess for higher-limit accounts.