Comprehensive Protection for Your Construction Projects

Construction projects are often exposed to various risks — from accidental damage, theft, or fire, to unforeseen natural events that could delay or disrupt progress. Contractor All Risk (CAR) Insurance provides comprehensive coverage to safeguard your project from such unexpected losses, ensuring work continues smoothly from groundbreaking to completion.

What Does It Cover?

CAR Insurance is designed to protect both contractors and principals (project owners) from financial losses that may arise during the course of construction.
The policy typically includes two main sections:

1️⃣ Material Damage Section

This section covers accidental physical loss or damage to:

• Contract works under construction
• Construction materials and equipment on site
• Temporary structures (e.g., scaffolding, formwork, hoardings)
• Losses due to fire, theft, explosion, flood, storm, or human error

2️⃣ Third-Party Liability Section

This section protects against legal liabilities arising from:

• Accidental bodily injury or death of third parties
• Accidental damage to third-party property caused by construction activities

Who Needs CAR Insurance?

CAR Insurance is essential for:

• Main Contractors
• Subcontractors
• Property Developers
• Engineering and Construction Companies
• Project Owners who want assurance of financial protection during construction

A single accident at a construction site can cause major financial setbacks. With CAR Insurance, you can:

• Minimise financial risk and project delays
• Protect your reputation and client relationships
• Ensure business continuity despite unforeseen incidents

Depending on your project’s needs, additional cover can be arranged for:

• Existing surrounding property
• Cross liability
• Professional fees (e.g., architects, surveyors)
• Debris removal costs
• Maintenance or defects liability period