Liability

Allianz has a reputation for working closely together with clients and brokers based on transparency and communication for the long-term. More than half of the Global Fortune 500® trust Allianz for liability coverage. Allianz combines 100+ years of technical expertise, capabilities and experience in this very complex line of business.

Appetite

Business Appetite1
Coverage
Capacity
Term
Excess Liability
$35M (ventilated)
  • Manufacturing²
  • Commercial Real Estate
  • Hotels & Hospitality
  • Retail
  • Family-Style Restaurants
  • Business Services
  • Financial Services
  • Upstream Industry (Oilfield    Service Contractors only; No Offshore)
  • Midstream Industry
  • Downstream Industry
  • Technology Products & Services
Construction Liability
Excess – Minimum attachment $10M
$25M
  • Commercial & Industrial
  • Project & Practice Policies
  • General & Trade Contractors
    (Street and Road excluded)

Primary General Liability and Products/ Completed Operations

International Liability –Controlled master programs; admitted local policies in more than 210 countries; owned offices in more than 70 countries
$5M
  • Manufacturing²
  • Technology Products &    Services
  • Revenues $500M and above
Environmental Impairment Liability
$25M
  • Site Pollution
  • Contractors Pollution
  • Excess Pollution
¹ Attachment and Capacity deployment will vary based on industry and exposures
² No pharmaceuticals or invasive medical products
Documents
Content
Download
Liability At A Glance Brochure (US)
International Liability At A Glance Brochure (US)
Environmental Liability At A Glance Brochure (US)
Liability Construction At A Glance
Business Appetite
Coverage
Capacity
Term
Primary General Liability and Products/ Completed Operations

Lead Umbrella / Excess
$10mn




$100mn (ventilated)
  • Manufacturing
  • Automotive
  • Real Estate
  • Financial Institutions
  • Hotels & Hospitality
  • Retail & Restaurants
  • Business Services
  • Wholesalers / Distributors
  • Food & Beverage
  • Financial Services
  • Power & Utilities
  • Oil and Gas
  • Chemical
  • Mining
  • Telecom-munications & IT
Construction Liability


Project & Practice

PoliciesWrap-Ups
$25M
  • Commercial
  • Industrial
  • Institutional

  • General & Trade Contractors
Documents
Content
Download
Liability At A Glance Brochure (CAN)
Environmental Liability At A Glance Brochure (CAN)
Liability Construction At A Glance

Why Allianz Commercial

At Allianz we recognize and understand the unique challenges you and your business face. And as a leading global corporate insurance carrier, we have the network and expertise to help. Find out why we’re best placed to help with Liability insurance solutions.

Market leading capacity to handle the largest risks – Up to $35M (ventilated) for US and up to $100M (ventilated) for CAN
A tradition of excellence - Allianz combines 100+ years of technical expertise, capabilities and experience in this very complex line of business
Market leading underwriting expertise - Our Liability underwriting specialists average more than 20 years’ experience and have the in-depth knowledge to provide responsive, creative solutions for traditional, long-tail and emerging liability risks
Long-tail risks require long-term partnerships - Allianz has a reputation for working closely together with clients and brokers based on transparency and communication for the long-term
Financial strength backed by strong ratings: AA Standard & Poor’s A+ A.M. Best and consistently strong solvency ratios

Products

Commercial Umbrella & Excess Liability Insurance

Your business faces liabilities every day.  It’s important to have an insurance program in place that has enough coverage to protect your bottom line against unforeseen events and catastrophic loss. Allianz Commercial offers commercial umbrella and excess casualty solutions, with limits up to $35M USD (ventilated) that can help protect you against long-tail risks and reduce coverage gaps.

A group of people in casual clothes having a meeting in a modern office
Looking up at tall city buildings

Construction Liability Insurance

Allianz Commercial understands the challenges that contractors and developers face in today’s evolving construction industry. Regardless of the size or complexity of your construction project or work, risk is a constant. Our team of experienced Construction Liability specialists can help protect your business from the expanding range of risk exposures inherent to the construction industry with customized solutions and limits up to $25M USD.

Environmental Liability Insurance

Given the potentially catastrophic consequences of environmental damages, it is essential for companies to evaluate, mitigate and protect against these risks. Allianz Commercial has a team of expert underwriters who can provide tailored environmental liability insurance, with limits up to $25M USD each incident / $50M USD aggregate, with tailored solutions in the areas of premises pollution and contracting pollution.

Pollution Excess Follow Form
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Multinational / International Liability Insurance

As business operations become more global and complex, Multinational clients need insurance solutions that respond to their unique challenges, wherever they do business. A centralized global program offers transparency, streamlined coverage and control over risks worldwide. When you choose Allianz Commercial you partner with one of the few carriers who can craft a global program that meets your international liability insurance needs.

Risk Advisory Consulting

At Allianz Commercial we provide a wide range of risk consulting services to help your business manage, prevent, and reduce risks, whatever your industry.


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A strong business woman looking into the camera smiling

Claims Capabilities

An insurance claim is the defining moment for our service – the moment when we deliver on our promise. At Allianz Commercial we are committed to deliver superior claims experience to our customers : before, during and after a loss.

Insights

The top business risks in 2024

The Allianz Risk Barometer ranks the most important risks businesses face for the coming year. Click below to access resources that assess emerging risks across countries, industries and sectors, providing businesses and professionals with insights to anticipate and manage potential challenges.

Contact us

Meet our Liability team

Carol Laufer
Head of Liability,
North America
US
C.J. McCarthy
Practice Leader,
National Accounts,
North America
US
Steve Tagert
Practice Leader, Environmental,
North America
US
Adam Romano
Head of Liability,
Canada
CAN
Craig DeFalco
Construction Liability Practice Leader, North America
US
Samantha String
Multinational Practice Leader, Liability
US
Alex Li
EIL Leader – Canada
Canada

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