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Construction Insurance

The construction industry is prone to volatility and risk. Financial pressures and liabilities can be immense. Since no two projects are alike, their insurance strategies should be equally customized. From small general contracting jobs to large-scale developments, Ironshore’s construction unit has the leadership and knowledge to understand market indicators and properly protect your business for sustained growth.

Our team of production specialists and claims representatives collaborate to provide customized solutions for the complex risks of the construction industry. From builders risk, professional liability, environmental, stand-alone terrorism coverage to high-value cargo and wrap-up insurance, we offer a full suite of solutions available for your construction project needs.

Environmental: Contractors Environmental Legal Liability (CELL)

CELL responds to 3rd Party Bodily Injury, Property Damage and Cleanup of Environmental Damages resulting from pollution incidents caused by their work at a job site and includes pollution liability during transportation and non-owned waste disposal site coverage. CELL is offered on an occurrence basis and can be endorsed to provide claims-made Professional Liability for certain classes of contractors. CELL can be written on a practice, project, or wrap-up basis.

  • No Minimum Premium
  • Limits up to $50M
  • Minimum Deductible of $2,500
Ironshore’s Designers and Contractors Professional Liability (DCPL)

Ironshore’s Designers and Contractors Professional Liability (DCPL) team of production and risk management specialists includes experienced experts dedicated to providing quality products and services to Design-Build designers and contractors throughout the construction industry. Whether the method of project delivery is Design-Build, Design Assist, Bridging, Integrated Project Delivery (IPD), Public Private Partnerships (P3), Owners’ Protective Professional Indemnity (OPPI) or traditional Design-Bid-Build, our team is uniquely positioned to provide tailored and innovative Project Specific and Annual Practice insurance coverage solutions and industry specific risk management services to mitigate circumstances and resolve claims expediently and efficiently.

  • Limits of Insurance - up to $25M
  • Retentions starting at $10,000 each claim
Ironshore Casualty Construction*

Ironshore’s Casualty Construction teams offer custom-built construction risk solutions for all facets of commercial general contractors, subcontractors and construction-related businesses.

  • $10M-$50M available depending on class & attachment

Primary Commercial Contractors & Commercial Subcontractors

  • Commercial GL, Project Specific, Wrap-up solutions available
  • Limits of $1M/$1M/$1M, $2M/$2M/$2M, $2M/$4M/$4M
  • Minimum Premium of $25K

Umbrella/Excess Liability for Commercial Construction Risks

  • Umbrella & Excess Liability, including Project Specific & Wrap-Ups
  • $10M-$50M available depending on class & attachment

* Ironshore’s Casualty Construction teams offer custom-built construction risk solutions for all facets of commercial general contractors, subcontractors and construction-related businesses.

Architects & Engineers and Construction Professional Liability

IronPro provides access to a suite of modern primary and excess A&E Professional Liability products – Design and Data Insure™ (D&DI); Specialty A&E; Specific Project Excess (SPX); Project Excess Insurance (PXI) – that afford coverages for Design firms and Environmental Consulting firms providing professional services relating to the construction industry involving building design, infrastructure design, and/or land development. In addition, our D&DI product includes Cyber coverages to protect design professionals from data breaches.

Our approach brings together a team of dedicated experts in underwriting, claims management, and loss prevention solutions to provide our policyholders with a full spectrum of products and services.

  • Minimum Premium: $1,000
  • Limits: up to $10M
Builders Risk

Ironshore’s Builders Risk program provides comprehensive coverage for construction projects including hot testing and delay in completion. Coverage is available for both domestic and international locations with terms up to 60 months. Coverage for completed toll roads and bridges is also available.

  • Builders Risk capacity up to $200M under most favorable conditions; up to $75M for Wood Frame
  • Projects as a QS Lead underwriter or up to $35M providing QS following support
  • Tier 1 critical cat capacity is available for noncombustible construction or better