Construction All Risks

Contractors all risk (CAR) insurance 

The contractor all risks policy is specially designed to cover for loss or damage to predominantly civil engineering construction projects ranging from small villa to construction of bridges or high rise.

This is an “All Risk” policy covering various activities of construction (except specific exclusions as mentioned in the policy)

This policy can be taken out in the joint names of the contractor and the employer. This policy enables the Contractor or Employer to comply with the insurance requirements of the Contract

Cover can be extended to include constructional plant as part of the Contractor All Risks cover

Key benefits

• Tailor-made product for the construction industry. - Cover on all risks basis
• Cover legal liabilities to third parties arising out of the performance of the contract
• Specialized team of Engineers available to help in implementation of risk management measures
• Dedicated team of Claims specialists
• Our presence across the length and breadth of GCC (except Kuwait)

It is also possible to have an annual policy issued for all work undertaken by a contractor

Product details

Summary of cover

Contractors all risk Policy (Section 1) covers the risk of accidental physical loss or damage in respect of the contract works, during the execution of a civil project. CAR insurance provides an ‘all risk ‘cover. All perils are covered unless specifically excluded

Section 2 of the policy covers legal liability falling on the insured contractor as a result of bodily injury or property damage belonging to a third party.

Period of Insurance

The cover starts on the unloading of the first consignment at site or commencement of work and continues to be in force as stated in the policy. The policy ceases when the project is handed over to the principal or put into service.

Sum Insured

This is usually represented by the full Contract project value (inclusive of transport charges, customs duties, etc.) and supplemented as necessary by the value of constructional plant. 


On request the policy can be extended to cover various optional extensions viz. Transit to or from the site (excluding sea or air transit), Maintenance cover, Removal of debris costs, Architects, Surveyors Fees for the reinstatement of damage, etc