Contractor's Protective Indemnity Endorsement (Environmental) - North America
XL Catlin offers additional environmental insurance protection to contractors working on design/build projects, or that have a subcontracted design exposure, when their architect’s or engineer's insurance limits are inadequate or eroded.

Product details


Claims-made: USD 25 million


  • First-party coverage that indemnifies the named insured (contractor) excess of the design professional's (DP) professional liability insurance
  • Covers costs the contractor has obtained through a judgment, arbitration award or settlement as a result of the DP's negligent act, error or omission related to contracted services
  • Available on a claims-made basis

Client Profiles

Businesses in the construction industry — including general contractors, construction managers, and specialty trade contractors — that perform a percentage of their work under the design/build delivery method or that have a subcontracted design exposure.

Typical Information Required

  • XL Group environmental and professional applications (any pollution/professional application can be used for quotes)
  • Three years currently valued loss runs for lines of coverage requested; if no prior coverage, three years currently valued general liability loss runs
  • Two years audited financial statements

Benefits & Services

  • Integrated underwriting, risk consulting and claims handling
  • Professionals with average 15+ years environmental/insurance experience
  • Global solutions for multinational accounts
  • Specialized in-house risk control consultants and claims handling
  • Emergency response services available 24/7 for North America
  • 25+ years in specialized environmental insurance market

Information & Research

Find Out More About Environmental

  • Applications
  • Policy Forms
  • Industry Solutions
  • Risk Services

Attachment Point

Minimum USD 1 million in design professional insurance

Limits On Product

Claims-made: USD 25 million

Minimum Deductible

USD 250,000 self-insured retention amount if design professional's underlying limits are no longer available

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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