Total Construction Solutions
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Total Construction Solutions

Allianz has the expertise, products, and services to deliver solutions to the needs of construction clients in the United States and around the world.

Total Construction Solution Summary (US)
Total Construction Solution Summary (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 Total Construction insurance solutions.

A shipping container on a fixed crane
One of the world’s leading insurer of risks
The depth and breadth of capabilities to address your construction insurance industry needs.

*Financial ratings: AA by Standard & Poor’s and A+ by A.M. Best
two workers wearing hard hats
Industry leading capacity
A market-leading capacity positions Allianz to lead the largest domestic and international projects. End-to-end coverage offers the ability to provide a policy term from initial construction through to the operational phase.
Industrial buildings and digger trucks
Expert Risk Consulting
Our multi-disciplined team of Engineers and Risk Consultants provide technical expertise and risk management solutions across a wide range of commercial and industrial operations.
Professionals working
Highly-experienced underwriters
Allianz professionals with the knowledge and skill to find flexible solutions to the challenges brokers and their clients face. Allianz underwriters are able to deploy significant capacity on a global scale.
Inside a hyrdopower plant
Claims: industry leading expertise, recovery services
We field a highly, experienced engineering claims teams with an established reputation for responsive claims handling on a worldwide basis and a global network of contacts with local support.
Alternative Risk Solutions (ART)
We offer tailor-made solutions for unique challenges that can be customized down to the finest detail, at times, without the need for traditional business insurance.
Multiple cranes lifting objects on a construction site
Global Industry Solutions
We support the Construction industry with tailored solutions across all Allianz offerings. From a standalone cover for a single risk to the largest multilocation international programs, Allianz Commercial provides exemplary
service and insight. Our teams are located around the world, combining local service with global reach.

*Allianz Global Risks US Insurance Company Standard & Poor AA (6/26/23) and A.M. Best A+ (3/8/23)

Products

Large Construction Builder’s Risk

We provide construction insurance for clients all over the world, giving them market-leading capacity, flexible coverage and the backing of our S&P AA and AM Best A ratings. Our risk consulting, claims and underwriting teams have many years of practical experience of leading the largest engineering risks and construction projects across the globe, covering a wide range of sectors including oil and gas, power and utilities, heavy industries, transportation systems and heavy civil engineering projects.

Strategy / Capability
Appetite
– TIV > $100M USD
– $350M Probable Maximum Loss (PML)
– All Classes, all type CAR & EAR)
– Focus on Manufacturing and Infrastructure projects
– Lead/Follow Quota-Share
– Single Project, Phased Projects and Master Builders Risk Programs
CAR/EAR/Civil Construction
‍
All Classes/types
‍
Projects include:
– Industrial
– Manufacturing
– Heavy Civils
– Infrastructure /Heavy Civils
– Roads and Bridges
– Power & Utilities including RenewableEnergy
– Transmission Lines
– Pipelines
– Stadiums
– Data Centers
– Mining
– Building Construction

Documents
North America Energy & Construction Brochure
Energy & Construction at a glance

Inland Marine Builder’s Risk

Builder's Risk insurance provides real estate developers, contractors, subcontractors, architects and property owners with protection against damage to buildings while they are under construction, renovation or repair. The policy covers property on site or in transit and may be designed to include:

  • Equipment, fixtures and machinery that will be part of the structure
  • Soft costs, such as advertising, financing charges, re-design costs and loss of rents
  • Building materials and supplies
  • Equipment, fixtures and machinery that will be part of the structure
  • Temporary storage structures, forms and scaffolding erected during construction
  • Builder's Risk Green Amendment available
Strategy / Capability
Appetite
– TIV < $100M USD
– Proprietary Builder’s risk coverage form
– Renovation / Rehabs
– Flexible reporting & premium adjustment options
– 100% of Risk
– Real estate developers
– Contractors and subcontractors
– Property owners
– Renovations
& Rehabilitation - limited
– Related Property (Building, BPP, BI)
– New construction

Inland Marine Contractor’s Equipment

Contractors Equipment coverage provides owners, developers or contractors ranging from builders and roofers to road pavers and excavators with protection for tools and equipment normally excluded from a Builder's Risk policy. Our form covers machinery and equipment wherever it is located and may include:

  • Limited automatic protection for newly-acquired equipment
  • Leased or rented property
  • Rental cost reimbursement
Strategy / Capability
Appetite
– Scheduled, Annual Adjustment
– Capacity to write tougher classes of business (i.e. Cranes)
– Logger’s Property Damage Liability Coverage available
– National Equipment Registry Deductible Waiver available
– NER discount for Allianz Policy Holders
– Street & Road Paving
– Excavating & Land Clearing
– General & Commercial Contractors
– Equipment Rental or Dealers
– Related Property (Building, BPP, BI)
A vast amount of shipping containers

Inland Marine Construction Block

The Construction Block policy eliminates the need for individual Builder's Risk/Installation Floater policies to cover each project. It is written on a blanket basis with no coinsurance and provides coverage for all client projects until the insured’s interest ceases. The policy options can include:

  • Contractors Equipment (Tools, machinery owned, leased or borrowed)
  • Equipment Rental Cost Reimbursement
  • Protection for equipment, tools and machinery, including those that are owned, leased or borrowed
  • Builder's Risk for ground up construction including coverage at the site, temporary storage and transit
  • Installation Floater that covers materials, supplies and
    machinery for installation
  • Business personal property such as stock, materials, supplies, furniture, fixtures, equipment and tenant improvements
  • Automatic coverage extensions may be increased on a scheduled basis, including:
    Equipment Rental Cost Reimbursement, Employees’ Tools and Work Clothing, Waterborne Coverage, Underground Coverage, Weight of Load, Earth Movement & Flood, Fire Protection devices, Fire Department Service Charge, Scaffolds, forms & false work expenses, Accounts Receivable, Valuable Papers, Electronic Data Processing, Mechanical Breakdown & Electrical Disturbance
  • Riggers Liability
  • Options available for:
    – flexible annual, quarterly or monthly reporting
    – open form pricing that enables clients to know exactly what the insurance will cost
Documents
Marine At A Glance
Construction Block

Excess Liability

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.

Strategy / Capability
Appetite
– Up to $25M Limits
– Admitted Follow Form Coverage
– $10M Minimum Attachment point
– Practice Policies (Revenue >$200M)
– Wrap-up and Project Policies (any Construction Value)
Segments:
– Commercial and Industrial General Contractors
– Heavy Civil Contractors
– Trade Contractors
– Appetite
More
Preferred:
– Commercial and Industrial Building
– Architects & Engineers Excluding Professional
– Large Scale Projects with Highly Skilled Labor
– Trades
– Interior Building / Fit-Out
– Drywall
– Electrical
– Finish Carpentry
– Concrete
– Site Prep / Excavation / Grading
– HVAC / Plumbing
– Water / Sewer
Limited:
– Street & Road
– Bridge, Tunnel and Dam
– Residential – Commercial Grade Apartments “for-rent” outside of High Hazard Construction Defect States
– Fireproofing / Waterproofing
Restricted:
– Environmental / Abatement / Remediation
– Airport Runway
– EIFS / Stucco
– Wood Frame
– Roofers
– “for sale” Residential
– Any other Residential inside High Hazard Construction Defect States
– Railroad
– Demolition
Documents
Construction Liability
Construction Liability At A Glance
Pollution Excess Follow Form

Environmental Liability

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.

Strategy / Capability
Appetite
– CM or Occ Forms Available
– Contractors Pollution Liability Practice Policy
• $25M Each Incident
• Up to 3 Yrs
– Contractors Pollution Liability Project Policy
• Project Specific, OCIP, CCIP or Owners Protective
• $25M Each Incident
• Up to 15 Years inclusive of comp ops
• Up to 84 month term PLL with a project CPL
– Environmental Protect Infrastructure (CAN Only)
• PLL and CPL combined form
• $25M Each Incident
• Site pollution overage within the EP Infrastructure or separately with a project CPL may be available up to an 84 month term
– Retail & Commercial
– Manufacturing Facilities
– Chemical Facilities
– Educational Institutions (All levels)
– Healthcare
– Public Entity
– Mixed Use and Residential
– Sports and Recreational
– Sacred Spaces
– Street & Road
– Energy and Green Energy
– Data Centers
– Existing Structure Buildouts
– Civil Infrastructure
Documents
Environmental Construction

Architects and Engineers Construction

Documents
Download Factsheet
Construction insurance

The global construction market is poised for a sustained period of strong growth. However, the transition to sustainable energy and the adoption of modern construction methods will radically change the risk landscape. Allianz Commercial is here to help with comprehensive industry solutions.

Learn More
Meet our Global Industry Solutions Director

Blanca Berruguete‍

Global Industry Solutions Director for Construction

Blanca.berruguete@allianz.com

Learn More

Resources

Construction Risk
Trends and Future Opportunities
Download Report
Allianz Risk
Barometer 2024
Download Report

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.

Learn More

North America Expert Panel Discussion

Watch the video to learn more.

watch on youtube

Contact us

Meet our Total Construction Solutions team

Darren Tasker
Regional Head of
Natural Resources & Construction
US
Chris Fancher
Head of
Construction Property
US
Carol Laufer
Regional
Head of Liability
US
Craig DeFalco
Construction
Leader - Liability
US
Steve Tagert
Environmental
Practice Leader
US
Rich Soja
Regional
Head of Marine
US
Jamie Grimes
Construction Product
Lead Zone Lead South
US
Abdur Malik
Head of Natural
Resources & Construction
Canada
Adam Romano
Head of Liability
Canada
Alex Li
Environmental
Practice Leader
Canada
Anthony Tramonte
Head of Marine
Canada
Steve Sider
Executive Underwriter
Canada

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The material contained in this publication is designed to provide general information only. While every effort has been made to ensure that the information provided is accurate, this information is provided without any representation or warranty of any kind concerning its accuracy and Allianz Global Risks US Insurance Company cannot be held responsible for any errors or omissions. All insurance products are subject to the terms, conditions and exclusions contained in the individual policies.  Please be advised that these insurance products are not available in every state or country.