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Contractor's Protective Indemnity coverage - Environmental

AXA XL Insurance offers additional environmental insurance protection to contractors working on design/build projects, or that have a subcontracted design exposure, when their architect’s or engineer's insurance limits are inadequate or eroded.

Product details


Claims-made: USD 25 million


  • First-party coverage that indemnifies the named insured (contractor) excess of the design professional's (DP) professional liability insurance
  • Covers costs the contractor has obtained through a judgment, arbitration award or settlement as a result of the DP's negligent act, error or omission related to contracted services
  • Available on a claims-made basis

Client Profiles

Businesses in the construction industry — including general contractors, construction managers, and specialty trade contractors — that perform a percentage of their work under the design/build delivery method or that have a subcontracted design exposure.

Typical Information Required

  • AXA environmental and professional applications (any pollution/professional application can be used for quotes)
  • Three years currently valued loss runs for lines of coverage requested; if no prior coverage, three years currently valued general liability loss runs
  • Two years audited financial statements

Benefits & Services

  • Integrated underwriting, risk consulting and claims handling
  • Professionals with average 15+ years environmental/insurance experience
  • Global solutions for multinational accounts
  • Specialized in-house risk control consultants and claims handling
  • Emergency response services available 24/7 for North America
  • 25+ years in specialized environmental insurance market

Information & Research

Find Out More About Environmental

  • Applications
  • Policy Forms
  • Industry Solutions
  • Risk Services

Attachment Point

Minimum USD 1 million in design professional insurance

Limits On Product

Claims-made: USD 25 million

Minimum Deductible

USD 250,000 self-insured retention amount if design professional's underlying limits are no longer available

The information contained herein is intended for informational purposes only. It’s is neither an offer to sell nor a solicitation to purchase any particular insurance product. Insurance coverage in any particular case will depend upon the type of policy in effect, the terms, conditions and exclusions in any such policy, and the facts of each unique situation. No representation is made that any specific insurance coverage would apply in the circumstances outlined herein. Please refer to the individual policy forms for specific coverage details. AXA XL is a division of AXA Group providing products and services through four business groups: AXA XL Insurance, AXA XL Reinsurance, AXA XL Art & Lifestyle and AXA XL Risk Consulting. In the US, the AXA XL insurance companies are: AXA Insurance Company, Catlin Insurance Company, Inc., Greenwich Insurance Company, Indian Harbor Insurance Company, XL Insurance America, Inc., XL Specialty Insurance Company and T.H.E. Insurance Company. In Canada, coverages are underwritten by XL Specialty Insurance Company - Canadian Branch and AXA Insurance Company - Canadian branch. Coverages may also be underwritten by Lloyd’s Syndicate #2003. Coverages underwritten by Lloyd’s Syndicate #2003 are placed on behalf of the member of Syndicate #2003 by Catlin Canada Inc. Lloyd’s ratings are independent of AXA Group. Not all of the insurers do business in all jurisdictions nor is coverage available in all jurisdictions.

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