Casualty Insurance for Construction
Why choose Zurich for construction casualty insurance?
Construction is a hands-on business, and Zurich’s experienced construction team works closely with you to help protect your workforce and operations now and in the future. With deep expertise in customized casualty programs, flexible structures and collateral options, plus strong risk management and claims support, Zurich helps you build resilience and recover quickly and cost-effectively from losses.
Insurance Solutions for Construction Casualty
Building a Safer Future with Core Casualty Coverage
At Zurich Insurance, we know that a safe job site is a productive one. Our construction casualty insurance solutions are designed to help you protect your workforce, your vehicles, and your business operations from the unexpected. We work with you to establish a solid foundation of coverage so you can focus on the project at hand.
Our core casualty offerings include:
- Commercial General Liability: Broad protection designed to help safeguard your business from third-party claims of bodily injury, property damage, and personal injury arising from your construction operations.
- Workers' Compensation: We help you care for your employees with coverage for work-related injuries, supported by medical management services designed to help injured workers return to health and work.
- Commercial Auto Liability: Whether you have a few vans or a large fleet of heavy trucks, our coverage helps protect your vehicles and drivers on and off the job site.
- Consolidated Insurance Programs: Combines “wrap-up” coverage merging Workers’ Compensation and General Liability into a single program for owners and contractors, delivering comprehensive, consistent coverage across the project. This approach helps lower costs, eliminate coverage gaps and ensure unified safety and loss control from start to finish.
By combining these essential coverages with our industry experience, we help you build confidence in your daily operations.
Contact your broker, or find a Zurich preferred broker to review your casualty insurance needs.
Experienced Construction Risk Engineering
Zurich’s network of Construction Risk Engineers can work with you to help identify risk, grade exposures and then create a strategic risk management plan. Recommendations are based on in-depth industry knowledge and risk insights that can help create an effective loss prevention strategy.
Some of Zurich’s risk mitigation services include an assessment of worker health and safety, quality management programs, subcontractor prequalification, and management and enterprise risk management. Zurich’s Risk Engineers go beyond traditional insurance offerings to help minimize your risk exposures.
Elevating Protection for Complex Risks
Large-scale projects and complex contracts often require more than standard coverage. Zurich Insurance provides advanced liability solutions designed to help protect your balance sheet from catastrophic losses and specialized exposures. We collaborate with you to structure a program that addresses the unique liability landscape of modern construction.
- Lead Umbrella & Excess Casualty: When primary limits aren't enough, we offer substantial capacity to help protect against severe loss scenarios, providing the financial stability your stakeholders expect.
- Contractors Pollution Liability: Environmental risks can emerge unexpectedly. Our coverage helps protect you from third-party claims for pollution conditions caused by your covered operations.
- Owner’s Protective Professional Indemnity: This coverage helps project owners protect their interests against damages resulting from the professional negligence of design teams and contractors.
- Contract Surety: Contract Surety provides a wide variety of bonds for public and private construction projects with up to $2 billion in capacity.
- Cyber Insurance Policy: Construction-specific endorsement limits up to $25 million.
We help you navigate these complex risks with clarity and purpose.
Contact your broker, or find a Zurich preferred broker to discuss advanced liability options.
Flexible Payment and Responsive Claims Support
Managing cash flow is critical in construction. That's why we offer Pay-As-You-Go Workers' Compensation billing. This solution relies on real-time payroll data to calculate premiums, helping you avoid large upfront deposits and minimize audit surprises at the end of the term. It is designed to help you align your insurance costs with your actual business activity.
Zurich's claims services are a cornerstone of its casualty offering, with experienced claims specialists providing investigation, cost reviews, risk mitigation strategies and customized claim-handling procedures to help manage incidents efficiently. Supported by dedicated Customer Service Executives and a broad network of service professionals, Zurich works to reduce the total cost of risk, identify future exposures and help businesses recover quickly and cost-effectively when losses occur.
Contact your broker, or find a Zurich preferred broker to see if Pay-As-You-Go is right for you.
Because worker headcounts on a job site may vary for a variety of reasons, including temporary shutdowns due to weather extremes and other factors, Zurich's Pay-As-You-Go solution offers construction customers a new dimension in flexibility for managing Workers’ Compensation premiums. This feature allows you to pay premiums weekly, biweekly, semi-monthly or monthly, depending on how frequently you pay your employees. In addition to providing a higher level of transparency in the workers’ compensation billing processes, the Zurich Flexible Payroll Reporting Option places greater control over an important component of a contractor’s monthly expenses by more closely aligning premiums paid with current payrolls
Meet Zurich's Construction Team
As one of the leading insurance carriers in the construction industry, our mission is to provide creative solutions for the risks our customers face today and in the future by providing a broad array of distinctive products and services, we work to help limit the cost of risk while helping to increase job site safety awareness.
Zurich Construction’s experienced leadership team is ready to work with you to help ensure your business risk management needs are met.
FAQs
Casualty insurance helps provide construction businesses with a range of protections against risks that can cost their organizations a great deal. From job-related worker injuries to damage claims by third parties and accidents involving company vehicles, many unfortunate events can result in consequences that can impact company’s bottom line.
Zurich understands the challenges that contractors and developers face in today’s evolving construction industry. Regardless of the size or complexity of your construction project, an accident-related loss is a constant risk on any construction site. Our team of experienced Construction Casualty specialists will help protect your business and your workforce from the expanding range of risk exposures inherent to the construction industry.
All construction companies should have a complete portfolio of casualty insurance solutions to provide adequate protection against risks they face in today’s complex and increasingly litigious risk environment.
Through our suite of casualty products, Zurich meets the needs of construction professionals, including:
- General contractors, including architects and engineers
- Trade contractors
- Design professionals
- Environmental contractors and consultants
- Owner sponsors