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Real-Time Stats
# Quotes To Date: 79,689
Eligibility
Owners & Contractors Protective Liability:
Available in all states with the exception of New York, Washington, Hawaii, Washington D.C., and Alaska.
Other Requirements:
CGL Limits for the contractor must be at least $1mm occurrence/$2mm aggregate and the total limits carried (CGL + Umbrella) must equal the OCP limits requested

Contractor with at least one year of experience

No work or Operations involving the following exposures:
  • Use of explosives or fireworks
  • Use of asbestos
  • Underground construction such as subways or mines
  • Work in existing: refineries, chemical plants, mills, or grain elevators
  • Exterior building maintenance over 3 stories
  • Hazardous chemicals
  • Scaffolding over 2 stories
  • Remodeling/renovation in habitational building
  • New construction over 6 stories

OCP's with contract costs greater than $15,000,000 must be referred to carrier prior to quoting
Railroad Protection Liability:
Available in all states with the exception of Alaska and Hawaii.

Each policy should be written for the term of the contract.  There are no renewal policies issued through the program.
Information Required:
  • Type of project
  • Total contract cost and the amount of the cost of that contract that is within 50 feet of the tracks
  • Length of overhead wire/lines or underground pipe if the work is parallel to the tracks.
  • Daily number of trains
Other Requirements:
CGL Limits for the contractor must be at least $1mm occurrence/$2mm aggregate and the total limits carried (CGL + Umbrella) must equal the RRP limits requested

Contractor with at least one year of experience

The following exposures will be referred to Westchester Fire Insurance Company as long as the following three questions are answered "yes" on the application:
  1. Will a project contract, including a hold harmless agreement, be signed by the designated contractor?
  2. Will the railroad be named as an additional insured on the contractor’s GL policy?
  3. Will the contractual exclusion for the work within 50 feet of the railroad property be deleted on the contractor’s general liability and umbrella policies?
Exposures:
  • Use of explosives or fireworks
  • Underground construction such as subways, tunnels or mines
  • Work in existing: refineries, chemical plants, mills, or grain elevators
  • Hazardous chemicals
  • Underwater construction
  • Track work with daily trains running
  • Limits other than 1/3, 2/6, or 5/10
RRP’s with contract costs greater than $10,000,000 within 50 feet of the tracks must be referred to carrier prior to quoting

RRP’s with bridge work and a requested limit of 5mm/10mm must be referred to the carrier prior to quoting

Projects in which railroad employees except flagmen or supervisors have been assigned must be referred to the carrier prior to quoting

RRP’s with new construction within 50 feet of the tracks must be referred to the carrier prior to binding
Project Specific Contractor's Pollution Liability:
Available in all states except AK and HI.
Other Requirements:
Contracting firm must be in business at least 3 years.

Any contract amount over $25M is not eligible for the program but can be considered by XL outside the program

There is no back dating of coverage. Policies are 100% minimum earned

Additional Insured and Waiver of Subrogation are automatically included when required by written contract

Ineligible Exposures:
  • Dredging
  • Fire/water restoration
  • Activities related to natural gas exploration involving hydraulic fracturing
  • Mining
  • Nuclear
  • Landfill Liners
  • Residential Single Family
  • Wood Frame or Joisted Masonry Condominiums, Apartments or Retirement homes
  • Residential drywall project in Gulf Coast States
  • Chemical spraying
  • More than 20% abatement, demolition, drilling, environmental remediation, EIFS ,tanks, window installation
  • Any previous pollution losses, no application for pollution coverage declined in the past, no past pollution policy cancelled and no past pollution policy renewal refused.

Available Limits and Optional Endorsements:  Any contract amount over $25M is not eligible for the program but can be considered by XL outside the program
Available Limits:
$500,000 / $500,000
$1,000,000 / $1,000,000
$1,000,000 / $2,000,000
$2,000,000 / $2,000,000
$3,000,000 / $3,000,000
$5,000,000 / $5,000,000
$5,000,000 / $10,000,000
Available Self Insured Retentions:
$5,000
$10,000
$15,000
$25000
Available Options (when required by contract):
  • Mold
  • Asbestos
  • Lead
  • Transportation
  • Disposal
  • Terrorism
  • Claims Made or Occurrence Coverage
  • One or Two Year Policy Term
  • 1, 2, 3, 4 or 5 Years of Extended Completed Operations
This is a risk purchasing group. There is NO SHARING of limits and the limit will apply separately to each certificate. Coverage is issued on Admitted Paper by Greenwich Insurance Company (part of XL Group Ltd) rated A XV by A.M. Best Co.
Annual Renewable Contractor's Pollution Liability:
  • Available in all states except AK and HI.
  • Any contract amount over $50M is ineligible for the program but would be considered outside the program by the carrier.
  • All policies are on an occurrence basis. Nose endorsements are available for previous claims made coverage.
  • The program only covers Commercial Construction and will have a residential construction exclusion. The program is available to a commercial contractor who might have a small percentage of residential work; however, that residential work will not be covered. When showing revenue on the application exclude any residential revenue.
  • There is no back dating of coverage. Policies are 25% minimum earned.
  • Additional insured and mold coverage are automatic in the policy form. If work is performed in hospitals the mold coverage will be on a claims made basis only.
Ineligible Exposures:
  • 100% Paper General Contractor, i.e., no self-performed trade construction
  • Construction Managers
  • Environmental Contractors and Consultants
  • Architects/Engineers
  • Barrier / Liner Construction
  • Asbestos/Lead/Mold Abatement
  • Dredging
  • Drilling – petroleum
  • Maintenance/Janitorial
  • Pesticide, Herbicide and Fertilizer
  • Pipeline Construction
  • Residential Construction
  • Restoration Contractors
  • Storage Tank Installation/Removal
  • Trucking
  • Crime Scene Cleanup
  • Demolition
  • Pile Driving
  • Weatherization

Available limits and self-insured retention:
  • $1M/$1M/$10K
  • $1M/$1M/$15K
  • $1M/$1M/$25K
  • $1M/$2M/$10K
  • $1M/$2M/$15K
  • $1M/$2M/$25K
  • $2M/$2M/$15K
  • $2M/$2M/$25K
  • $2M/$4M/$15K
  • $2M/$4M/$25K
  • $5M/$5M/$15K
  • $5M/$5M/$25K
Commercial Builders’ Risk Coverage:
Available in all states.
New construction of a building:
  • Fire Resistive, Masonry Non Combustible, Modified Fire Resistive and Non Combustible up to 15M
  • Joisted Masonry up to 5M
  • Frame up to 2.5M
New construction other than a building = referral (i.e. road work, utility work etc.)
Non-structural Renovation of an existing building up to 2.5M
Addition to an Existing building = referral
Structural renovation – NOT ELIGIBLE
Effective date cannot be more than 90 days in the future
Policy Terms Available:
  • Contract works < 5,000,000 = max term length 12 months *
  • Contract works >=5,000,000 and <10,000,000 = max term length 15 months *
  • Contract works 10,000,000 to 15,000,000 = max term length 18 months *
* extensions are available if required


Ineligible Projects:
  • Structural renovations
  • Any project previously started whether it was not covered or it was covered elsewhere
Residential Builders’ Risk Coverage:
Available in all states.
New Construction of Single Family Dwelling or Duplex (for Apartments, Condominiums – see Commercial)
Homebuilder or Developer – up to 1M
Homeowner – NOT ELIGIBLE
Policy Terms Available:
  • Contract works < 500,000 – max term length 12 months *
  • Contract works 500,000 – 1,000,000 – max term length 15 months *
* extensions are available if required


Ineligible Projects:
  • New Construction other than a dwelling
  • Renovations of or an addition to an existing dwelling
  • Any Project previously started whether it was not covered or it was covered elsewhere
  • Homebuilder with less than 1 year experience
Contractors’ Equipment Coverage:
Available in all states.
Maximum limit of insurance for any one item – 500,000
Maximum limit total schedule – 5M
Total value of cranes cannot exceed 25% of total value
Maximum value of any one crane – 250,000
Total value of asphalt batch plant equipment other than cranes – 250,000, cannot exceed 25% of total value
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