Cranes for construction

Insurance for construction companies

Engineering Lines and Construction insurance to protect your business

Managing construction risks is more challenging than ever. Labor shortages, extreme weather and new technologies are changing the way construction companies, insurance buyers and entities operate. Contractors and project managers face a wide variety of risks – from material damage affecting equipment and facilities to job site injuries and project delays.

With the right insurance, you can move forward with confidence. We offer solutions designed for construction businesses, helping you protect your project, your team and your reputation, so you can focus on building what’s next.

Why choose Zurich for Construction and Engineering Lines Insurance?

Thanks to our years of experience as a leading multi-national insurer, we know the construction and engineering sector from the ground up. Our expert underwriters and claims specialists can provide timely, tailored construction and engineering insurance to meet every need.

As an industry-leading Construction Insurance provider, we offer your business a range of advantages:

Expert Underwriters:

with deep technical understanding of the risk spectrum

Innovative coverage:

with extensions that address your industry-specific needs

Sustainable energy support:

helping with greener design and building processes to reduce CO2 emissions and promote energy transition

Customized programs:

to meet your unique risk appetite and coverage needs

Integrated support:

with underwriting, risk engineering and claim account teams

Domestic and international:

full range of coverage capabilities

Market cooperation:

working with our partners to develop bespoke solutions

Best in class claims handling:

thanks to our global coverage and technical expertise, we are committed to delivering a consistent and dependable claims experience

Our products

3 engineers on a construction site

Contractors’ All Risk / Erection All Risks

Construction Single project material damage protection with optional Delay in Start Up and Third Party Liability coverage

three engineers talking about construction

Annual Open Cover

Construction Program business material damage protection on risk attaching or turnover basis

men talking about production

Contractor’s Plant and Equipment

Accidental material damage affecting either stationary or mobile construction machines, equipment and facilities

construction of a street

Civil Engineering Completed Risks

Operational accidental material damage to civil engineering infrastructures and systems such as toll roads, bridges, railways and ports/harbors

female construction worker on a tablet

Machinery Breakdown

Internal material damage to stationary equipment, excluding energy business, with optional Business Interruption coverage

man working on a paper

Electronic Equipment Insurance

Material damages to electronic equipment with optional Business Interruption coverage

View on the rooftop solar power plant with two engineers walking

Sustainable Energy

Renewable energy Construction Onshore dedicated proposition and capacity, including optional first-year operational cover

Specialized insurance supported by our multinational capabilities

Global Network

Call on support across a range of geographies and jurisdictions, thanks to our multinational network that spans over 200 countries.

Local Expertise

Access experienced teams who understand local regulations, market practices and cultural nuances.

Digital solutions

Gain visibility into your policies, claims and multinational program data across countries to support better risk and insurance management using Zurich’s digital solutions.

Claims Expertise

Rely on efficient claims handling with local and centralized support through our global Claims Network, delivering greater consistency and responsiveness.

Frequently Asked Questions

Construction Insurance is a broad term used to describe types of insurance coverage needed for those in the construction industry to provide protection to construction job sites, equipment and staff. Construction Insurance may include both property and liability coverages.
Construction Insurance protects businesses involved in building projects by covering risks such as physical loss or damage to structures and materials during construction (Erection All Risk and Construction All Risk), third-party injury or property damage (general liability), professional errors in design (professional indemnity), employee injuries (employer’s liability), pollution or environmental incidents, and loss or damage to equipment and machinery. It can also include surety and performance bonds to guarantee contractual obligations, as well as optional cover like delay in start-up or contractor’s pollution liability, providing comprehensive protection and reducing financial uncertainty for contractors, project owners and other construction stakeholders.
Any company working in the construction industry should have commercial insurance coverage. Zurich can address the coverage needs of all phases of building and construction. Whether your company is involved in non-residential construction; plumbing, heating and air conditioning; electrical work; plastering, dry wall and insulation; painting; carpentry or excavation work, our team of construction specialists can help you manage your unique risk exposures.
Zurich’s experienced team of Construction Underwriters, Construction Risk Engineers and Claims specialists can help you manage risk – from planning to start-up through to job completion and beyond. We offer insurance for contractors, including solutions for general contractors, trade contractors, design professionals, environmental contractors, consultants and project managers. Our coverages and services help contractors and design professionals manage risks associated with suppliers and subcontractors, job site hazards, worker safety and quality of work. Zurich also offers custom solutions to help manage the broad array of risks that construction companies face.

Contact us

Should you have any questions or need further information please reach out to your local Zurich contact or your broker.

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Disclaimer:
Policy language and conditions may vary and are subject to applicable regulatory and legal requirements.
Policy conditions apply and this is not a part of your or any issued insurance contract.