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Excess Liability Insurance for Residential and Commercial Construction Firms

AXA XL Insurance offers coverage to North American-domiciled companies performing residential, commercial or civil construction work. AXA provides best-in-class underwriting, claims and service plus significant capacity to meet the needs of clients. Access points to discuss coverage include Bermuda, Ireland, North America and the United Kingdom.

Product details


  • Residential construction: USD 25 million
  • Commercial/civil contractors: USD 50 million


  • Homebuilders: excess liability (close of escrow)
  • Commercial: excess liability occurrence basis annual aggregate and extended completed operations available

We insure projects for tunnels, bridges, airports, mixed use high-rises, schools, hospitals, hospitality, manufacturing plants, energy plants and more.

Client Profiles

  • National homebuilders
  • Private and public contractors
  • Owner-controlled insurance programs
  • Contractor-controlled insurance programs
  • Small contractors with contract values less than USD 75 million
  • Large and medium contractors with contract values greater than USD 75 million

Typical Information Required

  • Policy Terms/Coverages Required
  • Financials and Description of Operations
  • 5 years of Currently Valued Loss Information
  • Underlying Application, Coverage Terms, Conditions, Quotes or Equivalent Information

Benefits & Services

  • Annually reinstating limits and commensurate completed operations aggregate coverage for project construction period
  • Statute of repose for construction defects for full period applicable
  • Specialized claims handling
  • Risk engineering support

Attachment Point

USD 25 million

Limits On Product

  • Residential construction: USD 25 million
  • Commercial/civil contractors: USD 50 million
  • Project specific: USD 50 million

Minimum Premium

To be agreed by risk.

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.