Allianz Global Corporate & Specialty
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This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Allianz Global Corporate & Specialty now operates under Allianz Commercial for North America and distributes through brokers only. The current verified appetite material is the 2026 North America Appetite Guide, supported by current U.S. product and at-a-glance pages. Overall positioning is mid-sized to large enterprises and specialist/complex risks, with strong multinational capability and local policy issuance support in 200+ countries/territories through Allianz entities and partners. The U.S. office page directs insureds to contact a preferred broker; submissions appear broker-driven rather than direct-to-insured. Core North America offerings include property, liability, construction, inland marine, marine/cargo, financial lines, cyber, aviation, alternative risk transfer, natural resources/construction, programs, and risk consulting. No standalone verified U.S. workers compensation appetite page was found; workers comp appears within international liability/FVWC and local policy coordination rather than as a broad admitted monoline retail appetite. Preferred business by published materials: Property favors larger national/global risks and shared/layered or single-carrier structures, especially machinery/apparatus production, telecom/data, metalworking, commercial real estate, financial institutions/services, leisure, retail, transportation including airport operations/airlines, healthcare, higher education, high tech, public entity, biotechnology, and food/beverage. Liability targets excess liability for manufacturing, commercial real estate, hotels/hospitality, retail, family-style restaurants, business services, financial services, technology products/services, and selected upstream oilfield service contractors only, plus midstream and downstream energy. Construction liability targets commercial/industrial general contractors, heavy civil contractors, and trade contractors, with preferred classes including commercial and industrial building, large-scale skilled-labor projects, interior fit-out, drywall, electrical, finish carpentry, concrete, site prep/excavation/grading, HVAC/plumbing, and water/sewer. International liability focuses on multinational manufacturing and service risks such as non-critical auto parts, chemicals, consumer products, electronics, food/beverage, industrial and machinery manufacturing, professional/business services, and technology/software. Marine appetite is broad, including manufacturers, wholesalers, importers/exporters, freight forwarders, distributors, project cargo for power/oil & gas/chemical/bridges/steel/LNG/solar/wind/mining, inland marine floaters, transportation risks, builders risk, contractors equipment, installation, and marine-related property. Inland marine materials highlight more than 100 classes including builders risk, contractors equipment, transportation, warehouse legal liability, rolling stock, communications/technology equipment, fine arts, jewelers block, musical instruments, and program business such as auto parts, cell towers, drones, fixed-base operators, mobile medical equipment, and wind/solar. Restricted/declined or clearly limited classes: Published restrictions are most explicit in construction liability. Limited classes include street/road, bridge/tunnel/dam, fireproofing/waterproofing, and for-rent commercial-grade apartments only outside high-hazard construction-defect states. Restricted classes include environmental/abatement/remediation, airport runway, EIFS/stucco, wood frame, roofers, for-sale residential, other residential inside high-hazard construction-defect states, railroad, and demolition. Liability materials exclude pharmaceuticals and invasive medical products from the manufacturing segment note, and upstream energy is limited to oilfield service contractors with no offshore. Marine notes products are not available in every state or country. Property and liability materials emphasize that capacity, attachment, and deployment vary by industry and exposures. Geographic notes: U.S. business is written through Allianz Commercial in the United States with broad multinational servicing capability. International liability references admitted local policies in more than 210 countries and owned offices in more than 70 countries. Marine and other products note availability may vary by state or country. Construction liability states admitted coverage in most states. The public U.S. page emphasizes Allianz’s broker network across the United States rather than direct placement. Submission and structural expectations: Broker submission is the practical route. Property publishes minimum deal size thresholds: shared/layered property up to $300M all-risk capacity with $150,000 minimum premium; single-carrier property up to $500M all-risk capacity with minimum TIV of $500M and minimum premium of $250,000. Liability publishes excess liability capacity of $35M, construction liability up to $25M with $10M minimum attachment, international liability around $5M, and environmental impairment liability up to $25M. Construction liability practice policies are aimed at accounts with more than $200M revenue; wrap-up/project policies can apply at any construction value. Marine publishes up to $150M cargo, $100M project cargo/inland marine/transportation/construction inland marine/marine-related property, while program authority depends on line and underwriting authority. International liability offers guaranteed cost or SIR structures and coordinated master/local policy solutions, including CGL, contingent auto, FVWC, EBL, DIC/DIL, and BTA extensions. Broker/producer notes: Allianz stresses broker relationships, local decision-making, and access through preferred brokers. Public contact points include the U.S. broker/distribution and underwriting leadership on the U.S. office page, plus brochure contacts such as John Gambale and regional/line contacts. Programs business is described as specialized broker-led solutions for mid-size groups, trade associations, and homogeneous entities, and inland marine notes some programs may be written by program administrators with wholesale capability and may be open to Allianz retail brokers. Risk consulting is positioned as integrated support for complex accounts and may be material for hard-to-place property/construction risks.