Product Family

Excess Liability Insurance for Commercial Construction Firms

Coverage for North America

We offer Excess/Umbrella coverage to North American-domiciled companies performing commercial or civil construction work who can have global exposures. Through best-in-class underwriting, claims, service, and significant capacity, we provide insurance solutions based on clients’ needs.

Read about risk

Explore our thought leadership content. Access tools you can use.

Learn More


  • Excess/Umbrella liability policy protects the insured’s assets and future income above and beyond the standard limits on their primary policies
  • Available for Lead Umbrella and Excess
  • Covers liability claims from all policies underneath it, such as general liability, automobile liability and employer liability
  • A/B Coverage Form
  • Excess Follow Form
  • Broad Endorsements tailored to contractors needs
  • Additional access points for capacity include Bermuda, Ireland, and the United Kingdom

Client Profiles

Commercial General Contractors

  • Hotels
  • Mercantile
  • Institutional
  • Hospital
  • Manufacturing
  • Industrial

Trade Contractors

  • Plumbing/HVAC
  • Electrical
  • Industrial
  • Water/Sewer

Heavy/Civil and Street & Road Contractors


  • Owner Controlled Insurance Programs
  • Contractor Controlled Insurance Programs
  • Rolling Programs
  • Joint Ventures and Project Specific Placements* (must have an existing relationship)

Benefits & Services

  • Local underwriting expertise through several US and Canada locations
  • Annually reinstating limits and commensurate completed operations aggregate coverage for project construction period
  • Statute of repose for construction defects for full period applicable
  • Specialized, in-house claims handling
  • Risk engineering support

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.

Talk with us

We can match you with the perfect person for your specific needs.
Enter your First Name
Enter your Last Name
Enter your valid Email ID
Select your country
Select What best describes you