Construction/Erection All-Risk (CAR/EAR)
Energy, Property & Construction
XL Catlin offers coverage to national and multinational companies for public and
private infrastructure projects. We focus on providing protection to support project finance solutions.

Product details

Capacity

– Up to USD 100 million on a maximum foreseeable loss basis
– Additional capacity may be available

Coverage

 CAR/EAR
– Delay in start-up
– Third-party liability for onsite activities (except US, Canada, Australia and New Zealand)
– Substantial global wind, flood and earthquake capacity 
– Turnover coverages available to certain clients with construction/erection exposures
– Special package policies ranging from marine cargo to construction/erection phases, which can include the first 12 months operational risk

Client Profiles

– Companies with sums insured starting at USD 100 million
– Companies with sound risk management programs in place or being implemented

Typical Information Required

 Policy terms/coverages required
– Project description
– Limits of coverage needed
– Project time schedules
– Site/engineering plans
– Project value breakdown
– Additional information as needed

Benefits & Services

– Global network
– Ability to issue locally admitted policies
– Knowledge of local rules and regulations
– Global claims network 
– Prompt and equitable claims handling
– Effective solutions for the most complicated claim issues
– Association/partnership with leading industry field experts
– Ability to work with approved third-party claims adjusters
– Risk control and loss prevention services

Attachment Point

Quota share and excess of loss

Minimum Premium

Per project
- Co-insurance: USD 50,000
- Lead: USD 100,000
Package
- USD 250,000

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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