Product Family

Builders Risk Insurance

Coverage for North America

Commercial construction risks continue to evolve. We offer first party property damage coverage designed to meet the needs of large and complex building projects. From infrastructure to industrial, general building to manufacturing, airports to energy, we are here to help.

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  • Property in the course of construction, including hot testing and delay in completion
  • Project-specific or master builders risk insurance policy

  • Completed civil works including bridges
  • Owners and contractors
  • Special package policies for construction/erection phases, which can include the first 12 months operational risk or a six-year construction term


  • Our experienced underwriters develop specialized solutions for every project by taking the time to understand the project, while recognizing the need for a timely response.
  • Flexible coverage can be modified for either owner or contractor placements.
  • Construction terms of up to six years are available, with an additional first 12 months operational risk cover option.
  • Our dedicated, consultative risk engineering team has deep industry knowledge to support your projects.
  • We provide a dedicated claims specialist for each project – a point person in the event of a loss who will coordinate superior response and service for all loss related matters.

Client Profiles

Our target clients are ENR 400 contractors and owners who focus on larger, complex projects.

  • Airports, ports, departments of transportation
  • Design/build contractors
  • Energy companies (including refineries and alternative energy)
  • General contractors
  • Hospitals/healthcare groups
  • Larger specialty contractors
  • Manufacturing companies
  • Public entities / government
  • Real estate / hospitality
  • Sporting venues
  • Universities
  • Water treatment authorities

Product Availability

Geographical coverage is for informational purposes only. Product and service offers can vary based on location, industry, risk profile and unique business needs.

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 wordings for specific coverage details. AXA XL is a division of AXA Group providing products and services through three business groups: AXA XL Insurance, AXA XL Reinsurance and AXA XL Risk Consulting. Not all of the insurers do business in all jurisdictions nor is coverage available in all jurisdictions.

US- and Canada-Issued Insurance Policies. 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.

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