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The ongoing expansion and growth of the Philippine economy is expected to drive more activities in the large-scale building sector. Liabilities across this industry are as diverse as the companies that serve it. From project start to finish, construction contractors must confront complex, often large-scale risks. We offer a comprehensive approach to developing clients’ programs, from underwriting to loss control and claims management.

We leverage our collective risk evaluation experience, industry insight, best practices and lessons learned to deliver superior value in product, service and value innovation. This builds off our decades of extensive industry experience; our teams of construction-dedicated professionals assist our clients in structuring the insurance programs they need; putting in place sound loss mitigation practices; and effectively handling claims.

Search below for more about the standard and more-specialized insurance products and services we can offer construction clients of all sizes to address the simplest to most difficult of exposures.

Products for the Construction Industry

Comprehensive General Liability

This cover is designed to address the costs of the Insured’s legal liability arising out of accidents, injuries, and property damage sustained by third parties. Companies of different sizes and industries need sound liability coverage against these traditional exposures.

Contractor's Pollution Liability

Environmental insurance cover designed to address risks faced by contractors against pollution releases, including third-party bodily injury and property damage claims, as well as clean-up costs arising from pollution released due to covered operations and work performed.

Energy and Engineered Risks (Onshore)

This policy provides onshore insurance for a complete range of energy and related businesses in the oil and petrochemicals, power generation, chemical, and mining industries.

Kidnap, Ransom and Extortion

Tailor-made solution to address kidnap, ransom and extortion threats to organizations and individuals around the world. Insurance policy cover includes incident response, financial cover, and risk prevention.

Professional Liability

Covers professionals for their legal liability arising from their expert advice or errors and omissions on the services they provide. Certain types of claims made against them by third parties under civil law. It provides financial coverage to meet the costs of defending legal actions and payable damages.

Property All-Risk

This policy provides you with coverage for your property against loss or damage caused by fire and lightning, and allied perils such as earthquake, typhoon, flood, falling aircraft, impact damage, volcanic eruption, riot, strike and malicious damage. Additional covers may be added to meet the needs of the business. There is an option to include Machinery Breakdown cover, Electronic Equipment Insurance cover, and Business Interruption in this policy.

Contractor's Equipment

Also known as Contactor’s Equipment cover, this is a comprehensive solution for assets that are moveable or mobile in nature, in transit or in storage, where specialization is needed or where unique exposures exist.

Employers' Liability

Pays on behalf of the Insured, all sums which the Insured shall become legally obligated to pay as damages because of bodily injury caused by an accident or disease, including death of the Insured’s employee arising out of and in the course of employment.

Contractors All Risk/Erection All Risk

Constractors All Risk/ Erection All Risk (CAR / EAR) provides an all risks cover during the construction period against loss or damage to property and third party liability for accidental bodily injury or property damage in connection with the performance of the contract.

Marine Cargo Insurance

This covers the movement of goods from point A to point B against accidental loss or damage. Clients range from importers, exporters, manufacturers, logistic operators or large cargo (infrastructure) operations to multinational seeking tailored insurance solutions that can be location specific or part of a worldwide master policy program.

Project Cargo with Delay in Start-up

Covers all goods and/or merchandise and/or equipment and/or interest of every type and description shipped in connection with the project, and delays in start-up. This indemnifies the project owner for loss of income and related expenses resulting from delay in start-up of a commercial operation.

Property Terrorism

We offer market-leading insurance solutions to cover financial losses arising from an incident at your property caused by acts of terrorism. Coverage can be customized to meet the distinct needs of the business. Business interruption cover can also be included.

Single Project Professional Indemnity

Single Project Professional Indemnity (SPPI) is an insurance solution arranged around the lifecycle and needs of a specific construction project. Unlike conventional annually renewable policies, it has particular advantages for project owners and for Joint Venture operators.

Watch the video to learn more.