Contractor’s All Risk (CAR) Insurance

Covers sudden and unforeseen accidental loss or damage to construction works, machinery, equipment and materials unless specifically excluded.

Contractor, principal, subcontractors and financiers are protected under a single wording, avoiding coverage gaps and disputes over responsibility.

Legal liability for bodily injury or property damage to surrounding property or passers-by during construction is indemnified up to selected limits.

ALOP (DSU), marine transit, testing & commissioning, removal of debris, surrounding property, escalation, express freight and more can be built in.

Rapid claim settlement keeps timelines intact and protects cash flow—minimising contractual penalties and financing costs.

Covers loss of gross profit and standing charges due to insured delay in project completion.

Protects materials, equipment and components while in transit to site by sea, air or land until unloaded and accepted.

Covers physical damage during hot testing and trial runs of plant before hand-over.

Indemnifies accidental damage to existing structures neighbouring the project—crucial for urban sites.

Pays cost of clearing debris after an insured event so reconstruction starts immediately.

Continues coverage during the defects-liability period for damage arising after hand-over but caused on site.