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Contractors General Liability Insurance

The AIG Companies provide exceptionally stable Contractors General Liability Insurance for virtually any type of contractor from commercial drywall contractors to electricians. Accidental Death & Dismemberment Insurance is automatically built in allowing contractors to give employees valuable benefits for no additional charge.* Non-admitted market status enables us to exercise exceptional flexibility in rate and form, accommodating each policyholder’s unique needs. Our coverages may be available on a claims-made or occurrence basis. *Does not apply to OIP

Features and Benefits Back To Top
  • Primary General Liability insurance for commercial and residential subcontractors, commercial general contractors, and residential homebuilders.  This includes a wide range of contractors which may include, but not limited to: Highway/Street & Road, Water/Sewer/Pipeline/Common/Power, Plumbing/Heating & AC, Painting & Paperhanging, Electrical, Masonry/Stone work, Plastering/drywall/acoustical ceiling, Terrazzo/tile/marble/mosaic, Carpentry, Floor Layer NOC, Water well drilling, Excavation and Residential Homebuilders.
  • Lead umbrella & excess liability insurance for commercial and residential subcontractors, general contractors and residential homebuilders. Up to $25 million in lead umbrella limits & excess layers may be available (capacity may be limited depending on the type of risk and attachment.  “Buffer” layer liability insurance may also be available.
  • Primary GL, lead umbrella and excess liability coverage for a wide range of wrap-up programs (OCIPs or CCIPs), both project-specific and rolling coverage.  Up to $25 million in limits may be available, excess of $25M attachments.  Other mid-range excess liability layers may also be available, such as $15 million excess of $10 million, on practice and project-specific deals.
  • Owner’s Interest Policy which provides the primary GL for the vicarious liability of the owner of land where a construction project is being performed. Up to $25 million in excess limits may be available above an Owner’s Interest Policy. 
 
Marketing Materials Back To Top

Brokers interested in AIG Companies' products can find out more by clicking the highlight sheets below:

Contractors Professional Liability Insurance- New & Emerging Challenges (.pdf)
Benefit overview of Lexington Insurance Contractors Professional Liability insurance.

Contractors General Liability Highlight Sheet (.pdf)
An overview of the AI Risk Contractors general liability insurance features and benefits including ProgramConnect, a web-enabled quoting and binding system.

Construction Liability Insurance Highlight Sheet (.pdf)
An overview of the AI Risk Construction liability insurance features and benefits including ProgramConnect, a web-enabled quoting and binding system.

Owners Interest Policy (OIP) Highlight Sheet (.pdf) 
Benefit overview of Lexington Insurance Owner's Interest Liability insurance.
 

Claims Back To Top

To report a claim please contact us:
Tel: 800-931-9546
Fax: 866-947-4165
E-mail: lexprimaryfnol@aig.com
Mail: Lexington Insurance Co.
100 Summer Street
Boston, MA 02110

To follow up on an existing claim:
Tel: 877-873-9972
E-mail: lexclaimstatus@aig.com

Claims are managed by Lexington’s construction liability claims specialists in collaboration with the nation’s leading construction liability defense attorneys.  The individualized approach and flexibility that characterizes our underwriting carries through to our claims service.  For example, in many cases Lexington policyholders can select defense counsel.   

Loss Prevention Back To Top
Lexington policyholders have access to expert construction loss control services provided by member companies of American International Group, Inc. (AIG) including a wide range of management reviews and technical support services.  In additional, Lexington’s dedicated Construction Loss Control staff can provide tailored loss control programs to help insureds improve worksite safety and mitigate losses.  For instance, Lexington can coordinate monthly on-site site risk assessments, review and enhance an existing loss control program, assist in accident investigations, and provide expertise to support an array of training topics. 
Applications and Forms Back To Top

The applications below are for the exclusive use of licensed surplus lines insurance brokers. As a surplus lines insurer, Lexington Insurance Company does not accept applications from or provide quotes to individuals.

GL Occurrence (LX 9641 ed. 10/05)
A sample of the Commercial General Liability Policy Occurrence form.

GL Claims-Made (LX 9639 ed. 10/05)
A sample of the Commercial General Liability Policy Claims Made form.

Umbrella Form (LX 9799)
A sample of the Commercial Umbrella Liability Policy Occurrence form.

Following Form Excess (LX 0494)
A sample of the Excess Liability Policy Following form.

Contractors General Liability (.pdf)
Application form for Lexington Insurance Contractor General Liability insurance.

Project Specific Excess Liability (.pdf)
Application form for Lexington Insurance Project-Specific Excess Liability insurance.

Homebuilders General Liability (.pdf)
Application form for Lexington Insurance Homebuilders General Liability insurance.

Owner & Contractor Protective (.pdf)
Application form for Lexington Insurance Owner and Contractor Protective insurance.

General Liability Wrap-up Application (.pdf)
Application form for Lexington Insurance General Liability Wrap-up insurance.