Contractors' All Risk (CAR) Insurance
One policy for your construction project, from groundbreaking to handover.
A construction site faces fire, floods, theft, collapses and accidents every day. A Contractors' All Risk policy protects the works under construction and the materials on site, and can include liability to third parties. Lenders and project owners often require it.
Who needs it
- Builders and real estate developers
- Civil and infrastructure contractors
- Owners commissioning a building, factory or road
What's covered
Contract works
Loss or damage to the works from fire, flood, storm, earthquake, theft and accidents.
Materials on site
Construction materials stored at the site.
Debris removal
Cost of clearing the site after a covered loss.
Third-party liability
Injury or property damage to others caused by the construction (optional).
What's not covered
We show you the catch before you buy. Common exclusions (exact terms vary by insurer and plan):
- Faulty design, defective material or poor workmanship (the defective part itself)
- Wear and tear and normal settlement
- Penalties for delay and consequential loss
- Loss during long stoppages of work, unless agreed
Popular add-ons
Construction plant and machinery
Machines used on the site.
Maintenance period
Cover during the defects-liability period after handover.
Documents checklist
To get a quote or buy
- Contract value and project description
- Site location and project period
- Bill of quantities or site plan
- Contractor and principal details
To make a claim
- Claim form and policy copy
- Photos and site report
- FIR or fire brigade report, where applicable
- Repair estimates and contractor bills
Frequently asked questions
Who should buy CAR: the owner or the contractor?
Either. The construction contract usually says who must insure. We check it for you.
CAR or EAR?
CAR is for civil construction. EAR is for installing machinery and plant. Some projects need both or a combined policy.
Related cover
Contractor's Plant & Machinery (CPM) Insurance
Protects contractors' plant and machinery such as excavators, cranes and mixers against accidental damage on site, in storage and while moving within the site.
ExploreErection All Risk (EAR) Insurance
Covers the erection and installation of machinery, plant and steel structures, including storage on site and the testing period.
ExploreMachinery Breakdown Insurance
Pays to repair or replace machinery after sudden, unforeseen electrical or mechanical breakdown, which fire policies do not cover.
ExploreNot sure what you need?
Tell us about your family or business and we will suggest the right cover, in plain language.
Mon–Sat, 9 am – 7 pm