Contractors All Risks Insurance

Cover all your bases.

Why is the Contractor's All Risks Insurance useful?

A construction site is susceptible to all sorts of accidents and losses can mount from pilferage, theft, damage, legal claims and more. As a contractor we understand the need to ensure completion within the deadlines. Our contractor’s all risk insurance policy covers the risks during construction, comprehensively. It includes physical loss or damage to property, plant, machinery and tools, works brought on to the site and temporary works erected on-site, as well as third party liability related to work conducted on the site.

building being constructed and has contactors all risk insurance

What you need for this cover:

Who is this cover for:


What would you like to know?

Contractors all risk (CAR) insurance is specifically aimed at those who work within the construction sector. This policy is usually provided the duration of the contract and provides protection for individual construction contracts, including:

  • Contract works
  • Contractors plant and machinery
  • Hired in plant and equipment
  • Temporary buildings
  • Show home contents
  • Employee tools
  • Architects drawings
  • A CAR policy is generally the single most inclusive insurance policy for those who work within the construction sector.

Before insurers quote you a premium for your CAR policy, they will first consider a number of factors in order to determine what kind of risk you are. Such factors will include the scope, value, location and duration of the work you will be undertaking.

Sometimes temporary site buildings are automatically included in a CAR policy as long as these are the insured works originally stipulated when buying the policy. They may be covered under the general definition of the contract works indemnified by the definition of contract works within the policy. If not, then it will be down to the policyholder to amend said policy to include any temporary buildings as required.

The amount you require will usually depend on the highest contract value that will be undertaken during the policy term. The contract value is normally contained in the Bill of Quantities (BOQ) normally prepared by Quantity surveyors of the Project.

You should consider:

  • Free issue materials
  • Professional fees
  • Debris removal
  • Terms imposed by regulatory authorities


In order to ensure that you have all your bases covered, you may also want to consider:

  • Public liability
  • Work Injury Benefits Act 2007
  • Employers liability
  • Car insurance
  • Goods in transit