FORGECoverage Rated
for Structural
Steel.
Quoted in 24 Hours.
General liability, inland marine, umbrella, builder's risk, and surety bonds — written by underwriters who know the difference between a column crane and a luffing jib before you explain it.
Carrier Credentials & Program Certifications
Superior Financial Strength
Category XV Carrier
Safety Program Partner
Ironworkers Local Endorsed
Structural Steel Specialist
◆ Named Underwriters
The Specialists
Behind the Policy
Not a call center. Three underwriters who have spent a combined 57 years pricing structural steel risk — and know what NAICS 238120 means before you spell it out.
Raymond Kowalski
Senior Underwriter, General Liability
“Every GL policy I write assumes the worst day on the job — because that's the day it has to perform. Structural steel doesn't forgive gaps in coverage.”
Denise Okafor
Lead Underwriter, Inland Marine
“A crane sitting idle because of an uninsured breakdown costs more than the premium. I price equipment risk the way ironworkers price ironwork — precisely.”
Marcus Thibodaux
Principal Underwriter, Excess Lines
“Thirty stories up, the standard market runs out fast. My job is to make sure the umbrella is wide enough before the steel goes vertical.”
◆ Coverage Comparison
Every Scenario.
Every Limit.
Real jobsite scenarios mapped against each coverage tier. No ambiguity — just clear answers to the questions your GC is already asking.
General Liability
Third-party bodily injury & property damage — the baseline every GC requires before you set foot on site.
| Scenario / Exposure | Essential · $1M / $2M | Most PopularContractor · $2M / $4M | Enterprise · $5M / $10M |
|---|---|---|---|
GL-FO-01Falling Object — Third-Party Injury All tiers respond; limit determines max payout | |||
GL-CO-02Completed Operations — Post-Erection Defect Essential excludes structural failure claims > $500K | |||
GL-PD-03Adjacent Property Damage — Crane Swing Essential sub-limited to $250K per occurrence | |||
GL-SC-04Subcontractor Acts — Pass-Through Liability Requires additional insured endorsement | |||
GL-CL-05Contractual Liability — Hold Harmless Agreements | |||
GL-PR-06Products Liability — Fabricated Steel Components Enterprise includes full products-completed ops |
All limits subject to underwriting approval · Admitted & non-admitted carriers available
Inland Marine / Equipment
Rigger's liability, crane breakdown, tools & equipment floater — everything that moves iron from the yard to thirty stories.
| Scenario / Exposure | Essential · Up to $500K | Most PopularContractor · Up to $2M | Enterprise · Up to $10M |
|---|---|---|---|
IM-CR-01Column Crane Collapse — Total Loss Essential excludes crane values > $250K | |||
IM-RG-02Rigging Failure — Load Drop, Equipment Damage Essential limited to owned rigging only | |||
IM-TL-03Ironworker Tools — Theft from Jobsite | |||
IM-RE-04Rented / Leased Equipment — Damage or Loss Contractor and Enterprise include rented-in coverage | |||
IM-TR-05Transit — Steel in Transit to Jobsite | |||
IM-BD-06Breakdown — Hydraulic Crane Mechanical Failure Enterprise adds equipment breakdown endorsement |
All limits subject to underwriting approval · Admitted & non-admitted carriers available
Umbrella / Excess Liability
When the primary limits aren't enough — bridge rehab contracts, DOT projects, and high-rise erection require excess coverage before the bid is accepted.
| Scenario / Exposure | Essential · $5M xs $1M | Most PopularContractor · $10M xs $2M | Enterprise · $25M xs $5M |
|---|---|---|---|
UMB-MC-01Multi-Story Collapse — Mass Casualty Event Essential may not satisfy DOT excess requirements | |||
UMB-DOT-02DOT Bridge Rehab — Minimum $10M Excess Required Contractor tier meets standard DOT minimums | |||
UMB-PL-03Pollution Liability — Welding Fume Exposure Enterprise includes follow-form pollution buy-back | |||
UMB-WC-04Workers Comp Excess — Catastrophic Injury | |||
UMB-WU-05Wrap-Up (OCIP/CCIP) — Owner-Controlled Project Enterprise supports OCIP/CCIP participation | |||
UMB-PE-06Professional Liability — Erection Engineering Error Enterprise only — requires separate endorsement |
All limits subject to underwriting approval · Admitted & non-admitted carriers available
Structural Steel
Coverage Guide
28 pages covering class code selection (NAICS 238120 / NCCI 5059), minimum limits for DOT bids, prevailing-wage compliance requirements, and how to read your certificate of insurance before handing it to the GC.
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