Excess Liability for Residential and Commercial Construction Firms
XL Catlin offers coverage to North American-domiciled companies performing residential, commercial or civil construction work. XL Catlin provides best-in-class underwriting, claims and service plus significant capacity to meet the needs of clients.

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

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.

This general product description is informational only. It is neither an offer to sell nor a solicitation to purchase any particular insurance product. Products are subject to legal and underwriting requirements. Coverages may not be available in all jurisdictions, including without limitation any jurisdiction within the United States, and may be available only through appropriately licensed producers. In addition, GAPS’s provision of publications or services is not an indication of the existence or availability under any policy of coverage for any particular property or type of loss or damage. Policies underwritten from Bermuda, Brazil, Canada, China, Mexico, Switzerland, or written by XL Insurance Company SE are only available through non US-based brokers. The Insurance companies of XL Group Ltd are: Catlin Insurance Company, Inc., Catlin Indemnity Company, Catlin Specialty Insurance Company, Greenwich Insurance Company, Indian Harbor Insurance Company, XL Insurance America, Inc., XL Specialty Insurance Company, XL Bermuda Ltd, XL Insurance Company SE, XL Insurance Switzerland Ltd, XL Insurance (China) Company Limited, XL Seguros Brasil S.A. and XL Insurance Mexico SA de CV. Coverages placed with Lloyd’s Syndicate #2003 are managed by Catlin Underwriting Agencies Limited and supported by XL Catlin corporate capital. Additional important information regarding our business is provided on our Legal Notices page.

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