Infrastructure & Construction insurance

Protects against financial loss from claims arising out of professional services, including design, advisory and project management risks.

Effective insurance of a large construction or infrastructure project requires significant capital, long-term commitment and proven industry experience. Liberty brings all of these to the table and offers a suite of PI insurance policies for major construction and infrastructure projects on an annual or multi year basis.

Protects construction works, materials and equipment throughout the build period against loss or damage arising from insured events.

Liberty combines the appetite, capacity and expertise to insure technically complex risks across major infrastructure and construction projects, with capacity of up to US$150 million on EML. We also provide comprehensive, particularly multi-product, insurance solutions for smaller and less complex projects.

We understand the significant financial implications of delay in start-up (DSU). Our cover is designed to help protect the project’s financial viability from the owner’s perspective, while supporting the successful financing of private-sector and public–private partnership projects from the lender’s perspective.

Helps manage pollution and environmental exposure arising from construction activities and contractor operations.

The financial and business interruption implications following an environmental incident can be significant, especially when the event generates substantial publicity. More prescriptive and stringent legislation, heightened media and community awareness, along with the possibility of delayed and protracted ‘long-tail’ claims, make businesses of all kinds increasingly vulnerable either as the cause or the victim of an environmental incident.

Provides financial protection for claims involving bodily injury, property damage, contractual liability and related risks arising from construction activities.

To provide liability cover on a major construction or infrastructure project, you need the business appetite, industry knowledge and experience to handle multiple parties and complex risks. Liberty has these capabilities.

Liberty’s Project Cargo and Marine Delay in Start-up products supports the movement of critical cargo and equipment for large projects, including delay-related exposures.

Integrating a Liberty-managed risk engineering process, it protects against financial loss if transit risk results in a delay to the start-up of a project. Such delays can have a significant effect on a project’s earning capacity and appropriate insurance is prudent, if not crucial.

Project Cargo brings a cross-lines approach to the diverse insurance needs of the infrastructure and construction sector.

Liberty offers a range of surety bonds and guarantees - an alternative to bank guarantees - tailored to the insurance needs of clients in infrastructure and construction, including complex public private partnerships. Time is precious, and bonds are often required at short notice. We prioritise timely bond issuance, working quickly and efficiently, so you can focus on running your business.

Liberty offers Weather Index products that provide cover predicated upon weather conditions set out in the policy documents. This includes products specifically designed for construction companies, outdoor event operators and forestry plantations.

Be it accumulated rainfall, frost, wind speed, or average temperature, there are a wide range of scenarios where Weather Index Insurance can be considered.

Supports employee and workforce wellbeing.

Liberty's Group Personal Accident and Sickness cover provides a valuable pathway to help protect people from unexpected events and provides them with financial security, such as one that leaves an individual unable to work or participate in other activities for an extended period of time. Our standard product is far from standard in scope and we have tailored our product to give customers maximum reassurance with a minimum of fuss.

Construction risks continue to evolve as projects become more complex, more connected and more technology-enabled. That brings both opportunity and exposure — from cyber risk and regulatory change to labour shortages, rising costs and weather volatility.

Our claims and underwriting insights help us stay close to the realities of the sector and identify emerging trends. Understanding the client’s critical path, pain points and cost pressures is essential.

Our claims specialists also bring experience in managing multi-party disputes and complex project claims, helping clients navigate issues with greater confidence.