What we offer

  • Third party liability coverage: 
  • Arising from liabilities incurred as a result of professional activities undertaken by either a member of the contractor's own design team or by a sub-contractor appointed by the contractor. 
  • For pollution conditions caused by the contractor or by a sub-contractor appointed by the contractor. This extends to transportation pollution liability and non-owned disposal site pollution liability. 
  • Arising from technology or advertising acts. 
  • First party indemnity coverage for costs incurred prior to handover of a project in rectifying defects arising out of professional services by the contractor or it's sub-contractor. 
  • Emergency clean-up costs. 
  • Protective coverage for the contractor in the event that a liability caused by a negligent act, error or emission on the part of the contractor's sub-contractor is not covered by, or is greater in value than, the limit of the sub-contractors' own professional liability insurance. 
  • Protective coverage for contractors in the event that a liability arising from a pollution event caused by a sub-contractor is not covered by, or is greater than, the limit of the sub-contractor's own pollution liability insurance. 
  • Supplementary payments coverage with USD25,000 aggregate limit for: 
  • Defendants reimbursement 
  • Disciplinary/regulatory/administrative actions reimbursement 
  • Reputation management reimbursement
  • Bankruptcy of a design professional or contractor 
  • Subpoena expenses. 
  • Non admitted coverage benefitting from the Lloyd's chain of security

Coverage enhancements  

  • Continuous coverage where the contractor renews with Beazley. 
  • Pollution coverage extends to liability for transportation and non-owned disposal sites. 
  • Clear policy wordings to explain the triggers for the cover, including: 
  • The unavailability of the underlying policy through the breach of a policy condition 
  • The erosion, partial or complete, of the underlying policy through unrelated claims 
  • Situations where the underlying policy has not been maintained. 
  • Buyback for asbestos/lead based paint. 
  • Third party liability for mold can be endorsed onto the policy by request. 
  • Automatic extended reporting period when required. 
  • Optional named insured location pollution liability. 
  • Coverage flexibility. Manuscript endorsements to tailor forms for individual clients.  

Annually renewable 'practice policy' coverage.  

Up to USD10m 

How can we help

Construction contractors have distinct professional liability requirements. That is why Beazley has utilised over three decades of experience in insuring some of the world’s very largest and most complex construction risks to tailor ‘ContractorPro’ to meet their needs.

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The Beazley Difference


Freedom lies in being bold. We dare to be different and seek bold possibilities to create more innovative, fair and satisfying outcomes for our clients, brokers and employees. From insuring the highest building in the world, to the first commercial lunar vehicle to operate on the moon - we boldly go where others won’t.


Good is a start, but we go all-out for better.  A driven community of individuals relentlessly push the needle and creating value. From launching the market’s first dedicated ESG syndicate to the establishment of our business unit focusing on designing digital insurance solutions, we pride ourselves on always going above and beyond.  Simply put, at  Beazley we go to 11.  


Acting with integrity in a straightforward, decent way is instinctive. Open and honest with others, we show respect and empathy however challenging the situation – demonstrated by our multi-award winning claims team.  Doing the right thing makes for a fair-minded, rewarding environment and makes work and life better for all.

Examples or Scenarios

General Contractor  

Our insured, a general contractor, was retained to construct a school using a design/build delivery system. They entered in to an agreement with a design professional to provide the design for the project. The agreement contained indemnification and hold harmless clauses, releasing them from the design professional. During construction, it was discovered that the design contained an error which resulted in the school being elevated several inches above the existing roadways. The insured made a demand under the indemnification and hold harmless provisions of the www.beazley.com design professional’s contract. Unfortunately, the design professional declared bankruptcy and the insured remained professionally liable to the project owner. 

Electrical Contractor  

A contractor was retained by a project owner to provide a constructability review of prepared plans and specifications, and to perform a value engineering analysis for construction of a hospital. The contractor determined from the review that the power system was undersized. The contractor recommended changes to the system which the project owner rejected due to cost. The system was undersized causing outages throughout the hospital. The hospital alleged that the contractor was responsible for the lack of power because it had failed to properly warn the owner of the consequences of an under-designed system. The contractor was held to be partially liable for failing to warn the hospital of these issues.