Risk managers of mid-sized construction industry firms have the same insurance risks seen with complex projects and national practices, but need solutions scaled to their scope and risk tolerance. ACE offers solutions to fit all sizes, including:

• Tailored products -- complete suite that offers protection across all lines of business, as well as coverage for workers compensation, general liability, builders risk, professional liability and environmental liability, with sufficient excess casualty limits.
• Customized solutions -- high degree of technical underwriting for jumbo as well as mid-sized risks.
• Nimble, interdisciplinary teams of underwriting experts who focus exclusively on the construction industry.
• Recommendations that anticipate emerging exposures from green building to renewable energy and environmental regulatory and enforcement changes.
• Claims and loss control specialists with vast experience addressing projects and practices with construction, energy, environmental and excess casualty exposures.

Our Construction Expertise

Our practice is more than 15 years old and boasts a substantial construction clientele in the small to middle market segments, as well as Fortune 1000 companies.

The practice includes multiple lines of business selling and underwriting integrated construction solutions with a broad appetite for risk in all classes of construction business, including:

• Primary Casualty
  • Loss-sensitive contractors, owners and developers and joint ventures in a broad spectrum of commercial, civil and industrial building fields, with the underwriting expertise to address jumbo projects.
• Inland Marine with packaged solutions for contractors
  • Builders risk solutions with substantial capacity for mid-sized and large contractors and owners/developers for all types of construction, with particular emphasis on infrastructure projects, such as water pipelines, power transmission upgrades, bridges, tunnels, roadways and water treatment plants. “Green” endorsements address the needs of the four-wall sector, including enhanced LEED standard, repair enhancement, debris removal expense and conservation, energy efficiency and recertification process.
  • Contractors equipment for commercial, industrial or residential contractors, with option for fixed property.
• Environmental Risk
  • Contractors pollution liability with substantial capacity for small, middle market and large general contractors, construction managers and subcontractors. ACE Environmental Risk policies can satisfy contractual requirements for practices, as well as projects, including green contractors pollution liability. Capacity also is available for owner controlled, contractor controlled or stand-alone project business. Industry focus includes healthcare, construction, street/road projects, civil/infrastructure work and energy.
  • Professional/pollution combined form for general contractors, trade contractors and environmental consultants. Can address the liability associated with design work in a contract, as well as pollution events
• Excess Casualty
  • Large and middle market contractors, as well as large construction projects, with significant capacity for both individual projects and contractor practices
• Professional Liability
  • Stand-alone E&O coverage for architects and engineers, construction managers and trade contractors such as HVAC, electrical, mechanical and civil, with less than $250 million revenue.