What is Contractors All Risks (CAR) Insurance
Contractors All Risks insurance is property insurance for any building or civil engineering project.
- Cover on site during construction period and, if required, during maintenance period (Section I)
- Legal liability to third parties can be included (Section II)
- Principal’s loss of profits can be included (Section III)
- Project is exposed to risks beyond control of contractor
What’s covered
- Fire, lightning, explosion, extinguishing water or other fire fighting measures
- Flood, inundation, rain, snow, avalanche, tsunami
- Windstorm of any kind
- Earthquake, subsidence, landslide, rockslide
- Burglary
- Lack of skill, negligence, malicious acts or human error
What’s not covered
- War and War like risks
- Nuclear Risks
- Gross negligence of Insured
- Cessation of work, total or partial
- Deductible
- Consequential losses
- Faulty design
- Defective material and or workmanship
- Wear and tear, etc.
- Files, drawings, etc.
- Losses discovered at time of taking inventory
- Vehicles licensed for general road use
What’s optional
Choose optional add-ons at an additional cost to create cover that suits you.- Political Violence and Terrorism: Cover against political violence and terrorism
Other types of insurance cover

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FAQ's
How do I cover items that I take away from the home?
What is accidental damage cover?
Are items in my garage or shed covered?
I live in rental accommodation. Do I still need insurance?
What is an excess?
Tips
- Ensure you declare a list of items to be insured under contents insurance including serial numbers, model, make and have the correct sum insured
- Always keep valuables safely and locked out of site to protect against the risk of theft