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Engineered Risk Insurance

Engineered Risk Coverage offers nationwide comprehensive permanent property insurance for a variety of large civil projects involving U.S. transportation and utility infrastructure.

Benefits:

  • Straight forward, easily readable coverage form
  • Individually tailored polices to meet specific needs of client
  • Highly experienced underwriting staff, licensed professional engineers
  • Significant capacity for catastrophe exposures, e.g.,  earthquake, flood, wind and terrorism
  • Variety of Risk Control Services, performed by licensed engineers to support an Insured's risk management program
  • Participation in the ground-up primary layer; will consider excess or quota-share approaches to respond to client needs

Coverage:

  • Nationwide property coverage for large civil projects involving U.S transportation and utility infrastructure
  • Total Insured Values for individual programs can vary greatly, with some totaling several billion dollars spread out over a number of locations
  • Coverages include property damage, business interruption/loss of revenue, debris removal, and more.
  • Most common risk covered is property with revenue generating capacity, but coverage is not limited to these types of risks.

Minimums & Limits

Minimum Premium
$50,000

Limits

  • Will vary based on client needs
  • $200 million loss limit capacity
  • Catastrophe sublimits up to $50 million in catastrophe-exposed locations.

Target Client

  • Bridge and Tunnel Authorities
  • Civil works and other infrastructure property
  • Container Cranes
  • Dams
  • Turnpike Authorities
  • Ports:  Piers & Equipment
  • Railroad and Airport Authorities with separately insured bridge and/or tunnel exposures
  • Utility Pools