Product Family

Umbrella and Excess Liability

Insurance for Construction Firms - North American Coverage

AXA XL offers Excess/Umbrella coverage to North American-domiciled companies performing commercial or civil construction work, and who may also have global exposures. We provide best-in-class underwriting, claims and service plus significant capacity to meet the needs of clients.

Risk Consulting

Risk consultants providing comprehensive risk management solutions based on an understanding of client business priorities and goals.

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  • 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

Benefits and 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 from industry experts

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)

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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