The trade underwriters take most seriously
Every hard exposure in construction shows up in steel: crews connecting iron at height, crane picks over occupied space, welding and cutting on every shift. That combination puts C-51 among the highest Workers’ Comp classes in the state and makes generalist carriers nervous — which is exactly why the market splits between carriers that avoid iron and carriers that specialize in it. Being placed with the second kind is worth real money.
Contracts reflect the stakes too. Commercial erection work almost always demands umbrella limits above the base GL, additional-insured status for the GC and owner, and proof of hot-work controls. We build the package as one piece — GL, umbrella, comp, auto, and equipment — so your certificate matches the exhibit on the first pass.
The steel coverage stack
- General Liability — rated for erection and hot work — the base of every steel contract
- Excess & Umbrella — the $2M–$5M towers erection contracts demand over base GL
- Workers’ Compensation — one of construction’s toughest classes — clean X-Mods pay off fast here
- Commercial Auto — flatbeds, boom trucks, and trailers hauling iron at contract limits
- Inland Marine — welders, torch sets, rigging, and tools across sites
- CSLB license bond — the $25,000 bond your C-51 license requires