What’s Included
Contractors’ All Risks (CAR)
Protects building projects against physical damage, property loss, and third-party injury claims during construction.
Erection All Risks (EAR)
Covers risks associated with installing, testing, and commissioning machinery, plant equipment, and steel structures
Electronic Equipment (EER)
Shields high-value tech—like servers, medical scanners, and computers—from sudden physical damage or data breakdown.
Contractors' Plant & Machinery
Insures mobile construction gear (like excavators, cranes, and forklifts) against theft, damage, or operational breakdown.
We’re here when you need clarity
Frequently Asked Questions
Our project contract has very specific insurance clauses. Can you match them exactly?
That’s exactly what we do. We review your entire tender document and joint-venture contract before writing the policy. We match the exact wording, required limits, and cross-liability clauses so you are fully compliant and ready to break ground without legal delays.
What happens if a subcontractor causes damage on our site?
We construct your policy with clear cross-liability and waiver-of-subrogation clauses where necessary. This ensures that the primary site insurance responds fast to fix the damage, keeping your timeline moving while our team sorts out the backend liability between parties.
What is the difference between a CAR policy and a standard liability policy?
A Contractors’ All Risks (CAR) policy is a specialized, dual-action product. It directly protects the physical project works and materials themselves from damage (like a collapse or fire) while simultaneously incorporating third-party liability for accidents that happen around the construction site.
When does an engineering policy actually begin and end?
The policy activates the exact moment materials are delivered to the site or work officially commences, and it remains active through the entire construction phase. It only concludes once the project is formally handed over to the client or after a designated testing and maintenance period.
Can we insure heavy machinery that is rented or leased from third parties?
Yes. We structure specialized "Contractor's Plant and Machinery" (CPM) riders that cover both your owned fleet and any leased or rented machinery on-site, protecting your business from immense financial liabilities if expensive equipment breaks down or gets damaged.
What happens if a design error causes a collapse during construction?
Standard construction policies exclude pure design flaws. To eliminate this critical gap, we deliberately negotiate the inclusion of specific testing and design defect extensions (such as LEG or DE clauses), ensuring your project is protected even if an engineering calculation goes wrong.