Best Erection All Risks Insurance Firms in USA
Non-sponsored, Expert Verified and Transparently Ranked Erection All Risks Insurance Firms in USA
Published: December 28, 2025 | Verified by: Ted Scheiman & Rob Watts
Executive Summary
We analyzed 5 solutions. Top Recommendation: Specialty and Commercial Insurance Products by Liberty Specialty Markets scored highest due to Large U.S.-based owners, EPCs and contractors executing industrial plant installations, power projects, transmission lines, or complex mechanical/electrical erections needing high limits and expert loss prevention support..
Content Verification
Side-by-Side Comparison
| Feature | #1 Specialty and Commercial Insurance Products (Liberty Specialty Markets) | #2 Business Insurance Solutions (Allianz Commercial) | #3 Insurance Risk Control (Sompo International) | #4 Construction & Engineering Insurance (Allied World (a Fairfax company)) | #5 Claims Services (Berkshire Hathaway Specialty Insurance (BHSI)) |
|---|---|---|---|---|---|
| Best For | Large U.S.-based owners, EPCs and contractors executing industrial plant installations, power projects, transmission lines, or complex mechanical/electrical erections needing high limits and expert loss prevention support. | Multinational contractors and project owners in the U.S. installing complex industrial plants or data centers who need coordinated EAR/CAR programs with optional DSU and multinational servicing. | Developers and EPCs delivering energy, petrochemical, manufacturing or heavy industrial installations in the U.S./Canada seeking large capacity and tailored EAR terms including testing and timetable‑related exposures. | Large U.S. infrastructure and industrial projects requiring CAR/EAR with commissioning coverage and potential DSU/ALOP, backed by a carrier experienced in complex claims on long-duration builds. | Owners and contractors installing turbines, process equipment, or manufacturing lines who want U.S.-paper builder’s risk addressing erection/testing exposures and potential schedule delays on complex capital projects. |
| Coverage Capacity | Line size up to USD 150 million PML for Construction (CAR/EAR/DSU/ALOP); available worldwide. (libertyspecialtymarkets.com) | Capacity not publicly specified; determined case‑by‑case. Capacity and coverage depend on hazard, Nat Cat exposure, grading, and terms; availability varies by location. (commercial.allianz.com) | Up to $100 million, varying by occupancy, peril, and location (Engineered Risk, US & Canada). (sompo-intl.com) | Up to US$100M capacity on a Probable Maximum Loss (PML) basis for Construction & Engineering (CAR/EAR). (alliedworldinsurance.com) | N/A |
| Policy Flexibility | Flexible, tailored policies: programs can be customized to specific needs; construction coverage can be arranged per-project or as open policies; underwriters are accessible and flexible to tailor solutions. (libertyspecialtymarkets.com) | Policies are highly customizable: EAR/CAR can be single‑project, annual or open covers and include TPL, CPE, DSU and CECR extensions. (commercial.allianz.com) Flexible multinational structures (master plus local policies) and ART enable multi‑year, multi‑line programs. (commercial.allianz.com) Liability structures span primary, excess, umbrella or global solutions. (commercial.allianz.com) | Flexible, responsive underwriting; offers custom builders’ risk solutions and manuscript policy wordings. Can write 100%, quota share or excess layers, enabling tailored program structures to client needs. (sompo-intl.com) | Flexible structures: project-specific or multi-site placements; CAR/EAR incl. testing; optional DSU/ALOP; terms up to 5 years; capacity up to $100M PML; can accommodate wrap-ups/CCIPs/OCIPs and project-specific programs. (alliedworldinsurance.com) | Flexible claims framework: customized Global Claims Plans for multinationals; multiple reporting options (email/phone/mail, plus online for certain lines); and policy terms that add flexibility at claim time, e.g., full choice of defense counsel and “prejudice required” for late notice in D&O. (bhspecialty.com) |
| Specialized Claims Handling | Liberty Specialty Markets: dedicated in-house claims specialists with local decision authority; integrated globally with underwriters and risk engineers; proactive Claims+ services (Advance Catastrophe Response, fast-track, data/analytics, wording reviews, scenario workshops); early policy engagement; commitment to paying valid claims quickly and fairly. (libertyspecialtymarkets.com) | Specialist claims teams for industrial/corporate risks assign the right expert to each claim, coordinating with underwriters and risk consultants. (commercial.allianz.com) Services include clear protocols, scenario testing, stewardship reviews, and customer-portal updates, designed for large/complex and multinational losses. (commercial.allianz.com) Local contacts include Natural Resources & Construction claims channels for sector-specific handling. (commercial.allianz.com) Global practice groups support complex claims. (commercial.allianz.com) | Dedicated claims professionals aligned to specialty lines/geographies, integrated into underwriting and assigned at account inception; empowered for timely resolutions with global resources/local expertise. Engineered Risk has specialized builders’ risk claims teams. (sompo-intl.com) (sompo-intl.com) | Partners with construction-specialist claims professionals with extensive experience handling construction-related claims, working diligently toward satisfactory resolutions. (alliedworldinsurance.com) Supported by globally positioned claims resources with significant local authority and line‑of‑business expertise, emphasizing open dialogue and responsiveness throughout the claims process. (alliedworldinsurance.com) | BHSI provides line-specific claims teams (Property, Casualty, E&P, Surety, Healthcare, Travel, Transactional Liability) with named leaders; preferred counsel lists for D&O and EPLI; specialized reporting paths (Ocean Marine portal, Employer Stop Loss, Travel, Berxi); 24/7 hotlines; and regional country contacts for local expertise. (bhspecialty.com) |
Specialty and Commercial Insurance Products
Liberty Specialty MarketsCompany Information
Liberty Specialty Markets is a global insurance and reinsurance company offering specialty and commercial insurance products across various markets. They aim to create a secure future for their brokers, clients, and communities through their 'For Mutual Advantage' approach.
Keywords
Description
Liberty Specialty Markets is part of Liberty International Insurance, a division of the Liberty Mutual Insurance Group, focusing on international commercial and specialty business. They leverage the financial strength and capabilities of Liberty Mutual Group to provide consistent service and local decision-making in their markets.
What They Do
Liberty Specialty Markets offers a range of retail, commercial, and specialty insurance operations in international markets.
Who They Serve
Brokers and clients in various industries across global markets.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Key Pages
Summary
Liberty Specialty Markets provides construction insurance with specialized expertise in Erection All-Risk (EAR), Contractors All-Risk (CAR) and civil infrastructure. Integrated underwriters, risk engineers and claims teams deliver tailored programs with significant capacity.
Key Features
- Wide range of specialty and commercial insurance products
- Coverage for diverse industries and risk types
- Global reach with regional expertise
- Access to risk management and claims support
Key Benefits
- Market-leading insurance solutions tailored to specialist and commercial needs
- Supported by technical expertise and risk management
- Long-term stability and continuity
- Focus on policyholder and partner needs
- Sustainable, reliable relationships
Who Is It For
- Businesses and organizations with specialist or complex insurance needs
- Industries requiring tailored risk solutions
- Brokers and partners seeking comprehensive insurance products
Our range of insurance products
Our range of specialist insurance products are supported by technical expertise, risk management and market understanding, to deliver you a market-leading solution.
- Affinity & Programme Business
- Aviation (All Risks, War Insurance)
- Casualty (including regional variants)
- Commercial Motor
- Contingency
- Crime and Fraud Insurance
- Cyber & Technology (including Strategic Assets, Technology E&O)
- Delegated Authority Practice (Casualty Binders, Property Binders, Accident & Health, Entertainment P&C)
- Energy and Construction (Oil, Gas, Petrochemical, Chemical, Power Generation, Renewable Energy, Construction)
- Environmental (including Environmental Impairment Liability Binders)
- Equine and Livestock
- Financial Lines (Financial Institutions, Directors & Officers)
- Financial Risk Solutions (Non-payment, Political Risk, Trade Credit, Structured Risk Solutions)
- Fine Art and Specie
- Healthcare (Professional Liability, Long-Term Care, Life Sciences, Physician Group Practices)
- Legal Indemnity
- Marine (Cargo, Liability, Project Cargo, Hull, War, Ports and Terminals)
- Mergers and Acquisitions
- Professional Indemnity
- Property (Commercial Property, Global Property, Bermuda Property)
- Reputational Crisis
- Safeguarding
- Surety Bonds and Guarantees
- War and Terrorism (including US-specific)
Why choose Liberty?
Our stability offers continuity and allows us to take a long term view. We are focused on the needs of our policyholders and partners. We build sustainable relationships that you can rely on.
- Stability and continuity
- Long-term view
- Focus on policyholder and partner needs
- Sustainable, reliable relationships
Resources
Supporting Resources
Detailed Comparison
Coverage Capacity
Policy Flexibility
Specialized Claims Handling
Business Insurance Solutions
Allianz CommercialCompany Information
Description
Allianz Commercial is your trusted partner for a wide range of tailored commercial and specialty insurance solutions designed to protect your business.
What They Do
Allianz Commercial provides tailored commercial and specialty insurance solutions and risk consulting services.
Who They Serve
Businesses of all sizes, from mid-sized businesses to the largest multinationals.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Social Media
Navigation Links
Summary
Allianz Commercial offers tailored engineering insurance for construction, including Erection All Risks (EAR) and Contractors All Risks (CAR). Solutions can incorporate third‑party liabilities, contractor’s plant/equipment, delay in start‑up and CECR.
Key Features
- Customizable insurance and risk prevention solutions
- Coverage for traditional and alternative risks
- Specialized expertise for complex and emerging risks
- Multi-year, multi-line contracts for complex risk management
- Direct, empowered access to coordinated teams for sales, account management, and underwriting
- Support for global insurance programs and multinational needs
Key Benefits
- Comprehensive and specific insurance solutions for a wide range of industries and business sizes
- Global consistency with local expertise in over 200 countries and territories
- Market-leading capacity to handle the largest and most complex risks
- Financial strength and strong ratings
- Dedicated risk consulting services
- Strong claims management team
- Coverage for more than 21,000 local policies worldwide
- Single point of contact for global programs
- Commitment to sustainability and ESG integration
Who Is It For
- Small businesses
- Mid-sized businesses
- Large corporations
- Multinational companies
- Industry-specific sectors (e.g., construction, financial services, technology, media, telecommunications, entertainment, agriculture, transportation, wine and spirits, etc.)
Corporate and specialty business insurance solutions
Allianz Commercial is your trusted partner for a wide range of commercial and specialty insurance solutions tailored to your unique risks. Whatever your industry, whether you are a small business or a large corporation, we offer comprehensive and specific solutions to protect your business.
Solutions by product group
Allianz Commercial specializes in protecting businesses by covering the most important risks with comprehensive coverage. Our customized business insurance and risk prevention solutions ensure that your business is secure and prepared for the future.
- Aviation Insurance
- Construction Insurance
- Cyber Insurance
- Entertainment Insurance
- Financial Lines Insurance
- Liability Insurance
- Marine Insurance
- Natural Resources Insurance
- Property Insurance
- Sustainability Solutions
Further business insurance solutions by Allianz Commercial
In some markets we also offer the following commercial insurance solutions under the trade name Allianz Commercial.
- Agriculture Insurance
- Business Package
- Business Travel
- Casualty
- Commercial Accident
- Contractual Warranty
- Credit Insurance
- Crime Insurance
- Drone Insurance
- Equipment and Goods Insurance
- Fine Art Insurance
- Hole-In-One
- Legal & Tax Protection
- Livestock Insurance
- Motor and Fleet Insurance
- Packaged Products Insurance
- Surety
- Transportation
- Wine and Spirits Insurance
- Work Injury Compensation Insurance
Global Industry Solutions
We can support your industry with tailored solutions across Allianz. We guarantee consistent expertise, service and financial strength around the world — from stand-alone cover for a single risk to the largest multi-site international programs.
- Construction Industry: Tailored solutions for the global construction market.
- Financial and Professional Services: Solutions for cyber crime, credit risks, D&O exposures, and technological advancements.
- Technology, Media and Telecommunications: Adaptable solutions for the TMT sector.
Alternative Risk Transfer
Alternative Risk Transfer (ART) is used to describe all types of risk transfer and retention solutions that do not fit the traditional insurance model. Allianz Commercial develops innovative, customized insurance, reinsurance and other non-traditional risk management solutions for a broad range of corporate and financial clients worldwide.
- Multi-year, multi-line contracts
- Customized for complex risks
Allianz Trade: Trade credit insurance and surety bonds
Through our sister company Allianz Trade, we offer a comprehensive range of solutions for managing commercial credits between companies. Allianz Trade is the global leader in trade credit insurance and a recognized specialist in surety, debt collection, fraud insurance, structured trade credit and political risk.
Why choose Allianz Commercial as your partner?
At Allianz Commercial, we're a global powerhouse, that brings together the best for our customers — from mid-sized businesses to the largest multinationals.
- Market-leading capacity to handle the largest risks
- Financial strength and strong ratings
- Network in over 200 countries and territories
- Management of more than 4,000 global insurance programs
- 100+ years of technical expertise
- Dedicated risk consulting services
- Strong claims team
- Coverage for more than 21,000 local policies worldwide
- International and diverse teams
- Part of Allianz Group
- Commitment to sustainability and net-zero emissions by 2050
Key benefits for our brokers and clients
- Global consistency, local expertise
- Speed and clarity
- Direct, empowered access
- Comprehensive risk solutions
- Specialized expertise for complex risks
- Solutions for every size
Resources
Supporting Resources
Detailed Comparison
Coverage Capacity
Policy Flexibility
Specialized Claims Handling
Sompo InternationalCompany Information
Sompo is a leading global specialty provider of property and casualty insurance and reinsurance, offering a wide range of insurance products and services to individuals and businesses across various industries and geographies.
Keywords
Description
We are Sompo, a global provider of property, casualty, and specialty insurance and reinsurance. Building on Sompo Holding’s 135 years of innovation, we seek to deliver a unified approach to servicing and providing customized solutions for our clients.
What They Do
Sompo provides property, casualty, and specialty insurance and reinsurance solutions globally.
Who They Serve
Clients seeking insurance and reinsurance services worldwide.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Key Pages
Navigation Links
Summary
Sompo International’s Engineered Risk team writes first‑party coverage for Contractor All Risk (CAR), Erection All Risk (EAR) and civil works across the U.S. and Canada. Coverage includes commissioning/testing, delay in completion and advance loss of revenues.
Key Features
- Monitoring of emerging trends and risks
- Collaborative risk assessment and management
- Tailored recommendations for risk mitigation
- Practical, cost-effective solutions
- Access to a global team of risk control experts
Key Benefits
- Minimizes loss potential and helps clients stay ahead of unexpected risks
- Provides tailored, cost-effective risk mitigation solutions
- Access to experts with deep industry knowledge and decades of experience
- Collaborative approach ensures recommendations are specific to each business
Who Is It For
- Businesses seeking risk management and loss prevention services
- Insured clients across various industries (e.g., agriculture, aviation, energy, healthcare, hospitality, manufacturing, real estate, technology, transportation, etc.)
- Global markets including North America, Continental Europe, UK, Brazil, and other regions served by Sompo
Insurance Risk Control
Combining decades of experience and deep industry knowledge with collaborative and practical risk management programs, Sompo’s Risk Control experts monitor emerging trends and risks and work with clients to minimize their loss potential and stay ahead of the unexpected. We take a collaborative approach to provide our clients with risk control services specific to their business. We work with each insured to tailor our recommendations and identify cost-effective solutions for mitigating risks.
Leadership
Contact information for regional and global heads of Risk Control Services.
- Christine Sullivan, EVP, Head of Risk Control, North America
- Renata Barcellos, Head of Risk Control Services, Global Markets Insurance
- Malwine Tewes, VP, Head of Risk Control, Continental Europe
- Richard Wilkinson, Head of Risk Control Services, UK
- Thiago Amorim, Head of Risk Control Services, Brazil
Resources
Links to tools, guides, newsletters, and best practices related to risk control.
- Risk Control Toolbox
- Risk AT Newsletters
- Discussion Paper: The Future of Risk Control
- Photovoltaic Panels Hazard Guide
- Catastrophic Events: Hurricane Best Practices Checklist
- Safety Tips: After the Storm
- Casualty Risk Control Services
- Commercial Property Risk Control
- Hospitality Risk Control Services
- Risk Control Warehousing Hazards Fire - Europe
- Risk Control - Controlling the fire hazards of Lithium-ion batteries
- Convective storm safety: protecting your business and property
- The importance of water flow testing in fire protection systems: a guide for risk managers
- A importância dos testes de fluxo de água em sistemas de proteção contra incêndios: um guia para gestores de risco
- La importancia de las pruebas de flujo de agua en los sistemas de protección contra incendios: una guía para gestores de riesgos
- Optimizing supply chain management strategies
- Preparing for the 2025 Hurricane Season
- Heat-related illness
- First aid kits in the workplace: preventing minor injuries from becoming major injuries
- Risk A/T® Work Newsletters archive
Resources
Supporting Resources
Detailed Comparison
Coverage Capacity
Policy Flexibility
Specialized Claims Handling
Construction & Engineering Insurance
Allied World (a Fairfax company)Company Information
Description
Allied World is a global provider of insurance and reinsurance solutions focused on niche markets and specialty insurance coverage.
What They Do
Allied World provides comprehensive insurance solutions across various sectors including commercial, casualty, healthcare, and others.
Who They Serve
They serve businesses of all sizes including small to medium enterprises and Fortune 1000 companies.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Social Media
Key Pages
Summary
Allied World’s U.S. first-party construction offering addresses specialty risks on major construction and erection projects. It provides CAR/EAR including testing/commissioning, with options for DSU/ALOP on large, complex builds.
Key Features
- Coverage for on-site and off-site construction risks
- Efficient risk management solutions tailored to the construction industry
- Global reach with regional expertise
Key Benefits
- Protection against physical loss or damage to building works
- Third party liability coverage
- Advance loss of profit coverage
- Access to a dedicated underwriting team with technical and multi-lingual expertise
- Claims handled by professionals with construction-specific experience
- Long-term partnership approach to insurance
Who Is It For
- Companies involved in major construction and erection projects
- Construction industry professionals seeking risk management solutions
- Clients requiring global or regional construction insurance coverage
Construction & Engineering
Our dedicated underwriting team possesses the technical expertise, multi-lingual capabilities and breadth of knowledge necessary to mitigate the specialty risks associated with major construction and erection projects worldwide. Understanding the multitude of on-site and off-site risks that impact this industry is key to providing efficient risk management solutions for our customers. From protection against the cost of physical loss or damage to building works, to third party liability cover and advance loss of profit coverage, we are committed to being a long-term insurance provider and partner. Furthermore, Allied World partners with claims professionals who have extensive knowledge of and experience in handling construction-related claims. The construction claims professionals we engage work diligently to resolve claims to the satisfaction of all parties.
- Technical expertise and multi-lingual capabilities in underwriting
- Mitigation of specialty risks for major construction and erection projects
- Coverage for physical loss or damage, third party liability, and advance loss of profit
- Long-term insurance provider and partner
- Claims handled by construction-experienced professionals
Resources
Detailed Comparison
Coverage Capacity
Policy Flexibility
Specialized Claims Handling
Claims Services
Berkshire Hathaway Specialty Insurance (BHSI)Company Information
Berkshire Hathaway Specialty Insurance is a global specialty insurance provider, offering a range of insurance products and services to customers worldwide. With a strong financial foundation and a proven track record of risk management, the company provides tailored solutions for businesses and individuals across various industries.
Keywords
Description
Berkshire Hathaway Specialty Insurance (BHSI) is a global insurance company that offers a broad range of insurance products and services across multiple lines, including specialty insurance for various industries.
What They Do
BHSI provides specialty insurance products and services to various markets globally.
Who They Serve
They serve a diverse range of industries, including healthcare, construction, and multinational companies.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Key Pages
Navigation Links
Summary
BHSI’s U.S. Builder’s Risk offers all-risk coverage with options like hot testing/commissioning and delay in completion. Target classes explicitly include Erection All Risk (EAR) for major industrial and power installations.
Key Features
- Global claims handling with regional specialization
- Multiple reporting channels: online, email, phone, mail
- Dedicated claims contacts for specific insurance lines
- Preferred counsel lists for certain products
- Downloadable claims excellence resources
Who Is It For
- BHSI policyholders
- Commercial clients
- Directors & Officers
- Employers (Stop Loss)
- Travel insurance customers
- Berxi policyholders
- Ocean Marine clients
Claims Reporting
Provides multiple methods and resources for reporting claims for different insurance lines, including preferred counsel lists, online portals, email, phone, and mail addresses.
- Commercial Public Directors & Officers Preferred Counsel contact list
- EPLI Preferred Counsel contact list
- Ocean Marine claims online reporting
- Employer Stop Loss claims reporting
- Travel claims reporting via website, email, phone, or mail
- Berxi claims reporting via email, phone, or mail
- General claims reporting via email, phone, or mail
BHSI Claims Contacts
Lists the heads of claims for various lines and regions, including contact information.
- Rob Romeo – Head of Claims, North America
- Jeff Murdock – Head of U.S. Property Claims
- George Marr – Head of Specialty Programs Claims
- Jeff Jubera – Head of Surety Claims
- Ariane Totzke – Head of Travel Claims
- Kathryn Ridenour – Head of Professional and Construction Claims
- Theresa Biedermann – Head of Executive & Professional Lines Claims
Download
Downloadable resources on claims excellence for general, marine, and travel claims.
- Claims Excellence
- Claims Excellence Marine
- Claims Excellence Travel
Resources
Supporting Resources
Detailed Comparison
Policy Flexibility
Specialized Claims Handling
Our Ranking Methodology
How we rank these offerings
We ranked these Erection All Risks Insurance Firms in USA based on three key factors: Coverage Capacity (40% weight), Specialized Claims Handling (35% weight), and Policy Flexibility (25% weight). Specialty and Commercial Insurance Products scored highest because it offers the largest coverage capacity and strong claims handling capabilities.
Ranking Criteria Weights:
Frequently Asked Questions
- What are the typical costs and pricing models for Erection All Risks Insurance in the USA?
- The costs for Erection All Risks (EAR) insurance typically depend on project size, location, and duration, as well as the risk profile and coverage limits needed. Companies like Liberty Specialty Markets and Allianz Commercial often provide tailored programs which may include risk assessment services and flexible pricing models that align with the project's specific needs. Pricing models can also factor in additional options such as hot testing or commissioning, especially in high-value industrial projects, as offered by BHSI and Sompo International.
- What are the key selection criteria when choosing an Erection All Risks Insurance provider?
- Choosing an EAR insurance provider requires considering the provider’s expertise, capacity, and the specificity of their coverage options. For instance, Liberty Specialty Markets leverages integrated underwriters and claim teams to offer bespoke solutions, while Sompo International and Allied World emphasize coverage for high-complexity projects with options for delay in completion and advance loss of revenues. It’s crucial to evaluate the provider’s experience in similar projects and their ability to integrate risk control services.
- What industry standards and compliance issues should be considered for Erection All Risks Insurance?
- Compliance with industry standards for EAR involves adhering to state-specific construction insurance regulations and ensuring alignment with international guidelines for large engineering projects. Providers like Allianz Commercial offer solutions incorporating third-party liabilities and contractor’s plant/equipment coverages, designed to meet these standards. Furthermore, adhering to robust claims handling standards, as exemplified by BHSI’s dedicated services, is crucial for compliance and risk management.
- What implementation challenges are commonly faced with Erection All Risks Insurance and what solutions are available?
- One challenge in implementing EAR insurance is accurately assessing project risks and ensuring adequate coverage for complex projects. Providers like Allied World and Sompo International offer engineering insurance expertise which assists in navigating these complexities by providing robust first-party and third-party coverage options. Tailored risk control solutions and integrated claims handling services, such as those from Liberty Specialty Markets, can also mitigate implementation hurdles.
- How can Erection All Risks Insurance deliver ROI and value to construction projects?
- EAR insurance delivers ROI by minimizing financial losses from project delays, equipment damage, and unforeseen events, thus ensuring project continuity. Enhanced risk assessment services from companies like BHSI and tailored coverage like Liberty Specialty Markets' bespoke programs improve risk management, augmenting project value and financial predictability. Effective claims processing and coverage options like testing and commissioning, offered by providers such as Sompo International, further add to value delivery.
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