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Umbrella Insurance and Excess Liability For Construction Firms

AXA XL Insurance’s builder’s risk insurance includes umbrella/excess coverage for capacity buyers who may also have a global exposure. The umbrella policy is tailored to fit each client’s unique needs.

Product details


USD 25 million on a lead basis with the ability to offer USD 50 million on a ventilated basis


Protects assets and future income above the standard limits on primary policies

Client Profiles

  • Commercial general contractors
  • Hotels
  • Mercantile
  • Institutional
  • Hospital
  • Manufacturing
  • Trade Contractors
  • Plumbing/HVAC
  • Electrical
  • Carpentry
  • Masonry
  • Wrap-ups (classes similar to above)
  • Street/road
  • We will continue to look at each account on a risk by risk basis
  • Additional risk might be considered
  • over a higher attachment or shorter limit.

Information & Research

Attachment Point

  • General liability: 1/2/2
  • Automobile liability: USD 1 million combined single limit
  • Employers liability: 1/1/1 preferred

Minimum Premium

USD 50,000

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.