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
Customers
Excess Liability
$25M (ventilated)
  • Manufacturing²
  • Commercial Real Estate
  • Hotels & Hospitality
  • Retail
  • Family-Style Restaurants
  • Business Services
  • Financial Services
  • Technology Products & Services
Construction Liability
Excess – Minimum attachment $10M
$25M
  • Commercial & Industrial
  • Project & Practice Policies
  • General & Trade Contractors
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
Customers
General Liability
Primary Liability

Umbrella / Excess Liability

$1M - $10M

$25M

Ability to do $50M ventilated
  • Manufacturing
  • Food & Beverage
  • Commercial Real Estate
  • Financial Institutions
  • Business Services
  • Hotels & Hospitality
  • Retail
  • Wholesalers
  • Distributors
  • Power & Utilities
  • Telecommunications
Out of Scope

  • Trucking
  • Tailings Storage Facility
  • Pharmaceutical Risks
Revenue Threshold

  • $200M Or Greater, can look at smaller risks with adequate premium
Minimum Premium

  • $50,000
Construction Liability
$25M
  • Canadian Projects With Hard Costsof $100 Million+ On Wrap-Up
  • Wrap-Up, Large Contractors and Annual Practice Policies
  • Commercial, Industrial,Institutional, Infrastructure
  • Condo and/or ResidentialConstruction Wrap-Up On An Excess  
  • Basis Only
Documents
Content
Download
Liability At A Glance Brochure (CAN)
Environmental Liability At A Glance Brochure (CAN)

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 up to $50M (ventilated) for Canada
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
Two women sharing notes in a meeting

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.


A woman on her mobile phone on a roof top balcony
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

Identifying the major business risks for 2025

Cyber, business interruption and natural catastrophes are the risks of most concern for businesses globally in the Allianz Risk Barometer 2025. In an increasingly volatile and interconnected risk landscape, companies and their insurance partners must take a holistic view of risk and, continually work to invest in and build resilience, even if the short-term nature of business decisions, world events, and the cost-of-living crisis makes this more challenging than ever.

Download the report and access exclusive resources
Growth of Third-Party Litigation Funding
– Who’s Paying the Bill

Discover the key aspects of Third-Party Litigation Funding (TPLF) and its transformative impact on the insurance industry. This article delves into the challenges posed by TPLF and offers strategies for transforming risk management and claims handling to stay ahead and effectively navigate these changes.

Atlantic hurricanes 2024: businesses should brace
for an active season

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

Complete the form below and a specialist will respond to your enquiry.

By submitting this form I agree that Allianz Commercial may process my information in accordance with the privacy notice from Allianz Commercial.

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.