Tool Crib

Targeted Customers

• Commercial Construction Contractors – Comprehensive insurance programs specifically designed to meet the needs of mid-sized and large construction customers.
• Construction Owners – Comprehensive risk management solutions specifically designed to meet the needs of major construction owners.
• Residential Home Builders – Comprehensive insurance programs specifically designed to meet the needs of mid-sized and large residential builders.
• Construction Regions – Locate a Zurich construction industry specialist in your area.

Architects and Engineers

• Architects and Engineers (A&E) Professional Liability – Protects design firms who provide architectural and engineering services to the construction industry. Our customers are covered against claims alleging their negligent performance of professional services, whether direct or incidental.

Casualty

• Commercial Auto – Provides indemnity and/or compensation for injury or physical damage that ensues from the ownership, use or operation of an automobile.
• Commercial General Liability – Provides coverage for negligent acts or omissions that result in bodily injury or property damage on your premises or completed operations; we offer specialized terms and conditions tailored to meet the needs of the construction industry.
• Workers Compensation – Provides wage replacement and medical benefits to employees injured in the course of employment as required by statute.
• Commercial Excess Umbrella – Provides catastrophic liability protection on a follow form basis.Coverage A, the Excess cover, follows an underlying liability policy’s definitions and conditions. Coverage B provides the umbrella, aligned with ISO standards.

Consolidated Insurance Program

• Consolidated Insurance Program (CIP) – Provides an alternative purchasing strategy for sponsors that consolidates various insurance coverages for contractors and subcontractors.

Environmental

• Contractor’s Pollution Liability (CPL) – Provides coverage for the contractor's liability for third-party claims caused by pollution events arising out of covered operations performed by or on behalf of the insured at project sites.
• Environmental Services Package (GPL) – Combines commercial general liability with contractor’s pollution liability and/or professional liability for third-party claims caused by a general liability, pollution event arising out of a covered operation performed by or on behalf of the insured firm at a project site, or an act, error or omission of professional services.
• Professional Consultant's Liability (PL) – Provides coverage for liability arising out of acts, errors or omissions during the rendering of professional services by the insured. Coverage provides practice and project-specific policies with no pollution exclusion.

Professional Liability

• Contractor's Protective Professional Indemnity (CPPI) – Protects contractors for losses arising out of the negligent performance of professional services for which the contractor is liable, whether self-performed or subcontracted.  CPPI Application   CPL Supplemental Application
• Owner’s Protective Professional Indemnity (OPPI®) – Offers project dedicated professional liability insurance that help protect the project owner from losses arising out of the architect or engineer’s (A/E’s) negligence. With OPPI, the A/E’s policies are supplemented instead of replaced, thereby helping improve an owner’s potential recovery.  FAQ   OPPI Application
• Professional and Environmental Coverage (PEC) – Combines important elements of errors and omissions coverage with contractor’s pollution liability and also offers coverage for liability arising out of acts, errors or omission as well as pollution events arising from the insured contractors’ services or operations.  PEC Application 

Property

• Better Green™ Endorsement – Provides coverage to help offset the cost of upgrades to rebuild structures or repair damages according to LEED® or Green Globe standards. The Better Green endorsement helps customers be socially responsible while constructing projects in a cost-effective and environmentally friendly manner.
• Builders Risk – Covers damage to property under construction, materials used in the course of construction and delay in completion.
• Build Transfer Operate (BTO) Endorsement – Provides coverage for property under construction, materials used in the course of construction and delay in completion.  When combined with any of our existing Zurich-Edge™ property forms, BTO provides a seamless transition between the construction and operational phases of projects.
• Civil Works – Helps protect against the many risk facing operational civil works - both public and private. Our solutions cover direct physical loss, including loss of revenue and other risk-specific coverages such as flood, earthquake, named storms and terrorism.
• Contractors Equipment – Provides coverage for mobile machinery, equipment and tools used in contracting, installation, erection, repair or moving projects.
• Property Portfolio Protection (P3) for the construction industry – Our proprietary policy features contractors’ equipment, crime, equipment breakdown, installation floater and riggers’ liability with greater flexibility and fewer exclusions than standard ISO property forms.

Residential Home Builders Products

• Home Builders Protective (HBP) – Combines traditional general liability with a home builders limited warranty for large volume home builders. This coverage provides leading residential contractors with solutions that embrace their unique range of exposures, offering low cost of risk with the ability to cover subcontractors.

Subcontractor Default Solutions

• Subguard® – An innovative risk management solution that helps construction contractors manage the risk of subcontractor or supplier default. Subguard provides comprehensive, consistent coverage for all enrolled subcontractors while enabling general contractors to regain control of their projects if a subcontractor defaults.

With our unique insight into Subcontractor Risk Management and long term expertise in managing complex defaults we have developed industry leading services such as Schedule Enhancement Solutions.

• Surety – Offers bonds which are performance guarantees on contracts.

Other Specialty Products

• Accidental Death and Dismemberment (AD&D) – Provides customized catastrophic accident insurance products and services including business travel AD&D, basic 24-hour AD&D, voluntary AD&D, group occupational accident for independent contractors and excess occupational accident buy down.
• Directors and Officers (D&O) – Provides coverage for claims made against directors and officers of the company for alleged or actual breach of duty, neglect, error, misstatement, or omission. Coverage can be extended to include claims made by or on behalf of employees of the company for a wrongful employment act, including coverage for claims alleging wrongful termination, or treatment, discrimination for any protected classes, harassment and common law violations.
• Employment Practices Liability (EPL) – Protects against claims made by or on behalf of employees for a wrongful employment act, including allegations of wrongful termination or treatment, discrimination against any protected classes and harassment.
• International Coverage – Provides traditional and specialty coverage for overseas projects through our Zurich global network.
• Political Risk – Offers solutions for emerging market risks for multinational corporations, investors, financial institutions, project developers and contractors protection from losses associated with political events. Coverages include expropriation, political violence, currency inconvertibility, non-honoring of sovereign guarantees and other perils.