Infrastructure & Construction

Infrastructure & Construction

We understand the diverse insurance needs involved in infrastructure and construction – the construction itself, the people, the transport of critical cargo, delay in start-up, and the environment – and our cross-lines approach coupled with our industry knowledge satisfies those needs. Our engineers have the industry experience to help clients control the risks, and our claims professionals have years of experience with complex, multi-party claims.

Our broad business appetite is backed by strong capacity, and we have substantial experience insuring infrastructure and construction across a spectrum of high-end project types: 

  • Roads, tunnels, rail and bridges
  • Power stations and utilities
  • Desalination plant, waste and water treatment
  • Cement plant
  • Pulp and paper mills
  • On- and offshore pipelines
  • Oil, gas, petrochemical/chemical plant, refineries
  • Airports and ports
  • Hotels and casinos
  • Hospitals and prisons
  • Metal and mineral processing plant, mine infrastructure
  • Bulk storage terminals
  • Telecommunications
  • Manufacturing facilities
  • Government (all levels) construction and infrastructure.

Construction Insurance

Liberty has the business appetite, capacity (US$150 million PML) and in-depth understanding of technically complex risks to provide effective insurance cover for major infrastructure and construction projects. At the other end of the scale, we also provide comprehensive cover - especially multi-product solutions - to smaller and less complex projects.

We have an in-depth understanding of the financial implications of projects' delay in start-up (DSU). In the event of DSU, our cover is designed to help protect the financial viability of the project (from the owner's perspective), and to help ensure successful financing of private sector and private/public sector projects (from the lender's perspective).

At a glance:

  • Covers contract works and DSU
  • Ability to provide bespoke cover to address project-specific insurance needs
  • Capacity to underwrite long-term projects.

Construction Project Professional Indemnity (PI)

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.

At a glance:

  • US$20m capacity
  • Worldwide coverage
  • Includes US exposures (excludes North America intellectual property rights infringement)
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Todd Woodard - Portfolio Manager Commercial PI, Professional & Financial Risks, Asia Pacific

Todd Woodard

Portfolio Manager Commercial PI, Professional & Financial Risks, Asia Pacific
T: +61 2 8298 5947

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Environmental Impairment Liability

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.

Traditional insurance products do not provide sufficient protection for environmental disasters with significant contamination exposures. Liberty's environmental impairment products help to protect against potential losses arising from such an incident, and feature cover for:


  • Clean-up costs - the main expense incurred due to the significant cost of removing contaminants and pollutants. This includes both first and third party expenses to clean-up a site, including a waterway or crown land.
  • Costs of mitigation and emergency response.
  • Public relations and crisis containment expenses
  • Costs incurred through Environmental Protection Authority (EPA) orders, including costs that the EPA incurs itself
  • Business Interruption Expenses, and
  • Bodily injury and third party property damage.

Liberty offers two types of environmental impairment liability cover – Fixed Site and Contractors.


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Alan Thorn - Assistant Vice President, Environmental Impairment Liability

Alan Thorn

Assistant Vice President, Environmental Impairment Liability
T: +61 7 3235 8841

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Project Cargo Insurance

Liberty has proven capability in understanding the logistical issues, complex transportation operations and financial implications of delays and other problems in major construction projects. This experience, combined with flexible policy wordings and a holistic team approach, gives clients the peace of mind afforded by effective insurance. Our marine, construction and liability strengths provide seamless Project Cargo insurance.

At a glance:

  • Large capacity - where we lead, others are more likely to follow
  • Insurance tailored to clients' needs
  • Extensive Asia Pacific construction and infrastructure experience
  • Underwriters with the authority to act quickly
  • Specialised in-house marine risk engineers
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Robert Cairoli - Vice President, Marine, Asia Pacific

Robert Cairoli

Vice President, Marine, Asia Pacific
T: +61 2 8298 5884

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Project-Specific Construction Liability

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 all of that, plus a lead capacity of $50 million on a primary or co-insurance basis.

At a glance:

  • Any construction period (including those >5 years)
  • Up to 10 years' Maintenance/Defects Liability and/or Completed Operations cover.
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Alan Murphy - Assistant Vice President & Casualty Manager, Public Sector

Alan Murphy

Assistant Vice President & Casualty Manager, Public Sector
T: +61 2 8298 5828

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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 work quickly and efficiently to make things happen on time.

At a glance:

  • Market-leading capacity
  • Ability to consider long-term risks
  • Predominantly cover for large, publicly-traded or privately-owned business.
  • Types of bonds include (but not limited to):
    • bid/tender
    • contract performance
    • advance payment
    • maintenance
    • retention release
    • offsite materials
    • bank-fronted and syndicated structures.