Whether oil, gas, solar or wind, energy businesses require a reliable and efficient infrastructure to succeed. With Travelers’ vast experience in the construction industry, we understand construction exposures, and can tailor programs for the contractors who build these infrastructures. Additionally, we are a leading writer of surety bonds offering specialized products for the construction market. Our construction focus includes:

See below for more about the key coverages Travelers offers to construction companies supporting the energy industry.

Key coverages:

Property & General Liability Coverage >
Contractors Professional Liability Coverage >
Owners & Contractors Protective Liability Coverage >
Railroad Protective Liability Coverage >
Auto Coverage >
Umbrella/Excess Liability Coverage >
Workers Compensation Coverage & Services >
Inland Marine Coverage >
Management & Professional Liability Coverages >
Surety Bonds >
Cyber Liability Coverage >
Environmental Liability Coverage >


Property & General Liability Coverage

• Property
      – Business Income Extended Period of Indemnity
      – Green Building Alternatives
      – EDP equipment embedded in Business Personal Property 
      – Leasehold - Interest Undamaged Tenants Improvements and Betterments coverage
      – Personal Property in Transit coverage
• General Liability
      – Bodily injury and property damage liability
      – Personal injury liability
      – Advertising injury liability
      – Medical expenses
• Additional Resources:
      – Travelers Deluxe® Property

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Contractors Professional Liability

• Dedicated policy/dedicated limits
• Broad definition of contractor professional services
• Blanket (practice) or project-specific options available
• Building Information Modeling (BIM): Design and engineering services which are part of BIM are explicitly included in the definition of professional services
• First Party Indemnity coverage option available
• In-house and subcontracted design services covered
• Network & Information Security Liability (NAISL) coverage option available
• Bodily injury, property damage and economic loss covered
• Claims-made trigger for Contractors Professional Liability, rather than more restrictive claims-made-and-reported trigger
• Worldwide coverage
• Limits available up to $10 million
• Punitive damages covered where allowable by law
• Innocent insured wording – exception to conduct-based exclusion
• Additional Resources:
      – Contractors Professional Liability

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Owners & Contractors Protective Liability Coverage

• Owners & Contractors Protective Liability
      – Named insured project owners for liability for covered bodily injury or property damage arising from job-site operations being performed for them by the designated contractor.
      – Liability for injury or damage arising from project owners’ acts or omissions in connection with project owners’ general supervision of such operations by the designated contractor
      – Coverage is provided on an admitted basis
      – Typically provides dedicated limits for named insured project owner as the only insured under the policy
      – Includes duty to defend
• Additional Resources:
      – Owners & Contractors Protective Liability

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Railroad Protective Liability Coverage

• Named insured railroad’s liability, for covered bodily injury or property damage arising from acts or omissions relating to job-site operations
• Coverage from beginning of the project to final acceptance of the project by the owner
• Limited coverage for physical damage to property of the insured – including direct and accidental loss to rolling stock and contents
• Coverage is provided on an admitted basis
• Includes duty to defend
• Additional Resources:
      – Railroad Protective Liability

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Auto Coverage

• Auto liability
• Physical damage protection
• Fleet coverage
• Countrywide availability
• Additional Resources:
      – Business Auto Coverage

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Umbrella Liability Coverage

• Providing excess layers of protection over liability coverages
• Flexible and substantial limits capacity
• Worldwide territory

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Workers Compensation Coverage & Services

• Ability to provide coverage for a wide range of construction risks across the country
• TravComp®– Combining state-of-the-art technology with co-located claim and medical professionals. Highlights include:
      – Extensive Preferred Provider Networks with a presence in all 50 states & Pharmacy Network
      – Focus on early intervention
      – Return-to-Work Programs
      – Medical Cost Containment
      – Industrial Hygiene/Occupational Disease
      – Risk Control Specialists
• Additional Resources:
      – Workers Compensation
      – Travelers Medical Advantage

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Inland Marine Coverage

• Insurance products for operations involved with fixed and mobile property of all types, including:
      – Transportation and Cargo
      – Builders' Risk and Installation
      – Contractors Equipment
      – Millwright and Rigger's
      – Miscellaneous property and specialized
• Additional Resources:
      – Inland Marine Overview

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Management & Professional Liability Coverages

• Crime
• CyberRisk
• Private Company Directors & Officers
• Architects & Engineers Professional Liability
• Private Partnership Liability
• Employment Practices Liability
• Fiduciary Liability
• Identity Fraud Expense Reimbursement
• Kidnap & Ransom
• Additional Resources:
      – Crime
      – CyberRisk 
      – Private Company Directors & Officers 
      – Architects & Engineers Professional Liability
      – Employment Practice Liability
      – Fiduciary Liability
      – Identity Fraud Expense Reimbursement
      – Kidnap & Ransom

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Surety Bonds

• Commercial Surety Bonds
• Contract Surety Bonds
• Additional Resources:
      – Commercial Surety Bonds
      – Contract Surety Bonds

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Cyber Liability Coverage

Cyber insurance solutions tailored to fit business needs:

• For private, nonprofit, public or technology companies
• Network and information security liability
• Communications and media liability
• Technology errors and omissions
• Available as part of a package or as a standalone policy
• Additional Resources:
      – CyberFirst® for Technology Companies 
      – CyberRisk

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Environmental Liability Coverage

• Contractors Pollution Liability Coverage for the business classes listed above
• Additional Resources:
      – Environmental Liability Coverage

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Risks Ahead - Risk Control Services

Risk Control Services

Master risk for a competitive advantage

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Claim Management

Broad expertise to help customers get back to business quickly

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