Construction All Risk Insurance (CAR)

Construction All Risk (CAR) insurance covers the risk of physical loss or damage to contract works during the course of construction.

Formerly known as “contractors’ all risks insurance”, a more appropriate term is now “construction all risks” insurance as it is commonly procured by owners, as well as contractors.

It can also be extended to cover other classes of property during the project, including temporary works, existing structures, temporary buildings and structures, construction plant and equipment, permanent premises temporarily occupied as site accommodation, and employee’s tools and equipment.

The period of insurance normally runs from the contract start date until practical completion (or handover), although it is possible to secure cover for some losses that occur during the maintenance or defects liability period.


Construction All Risks insurance

We typically arrange Construction All Risk policies as part of either a contractor controlled insurance program (CCIP) or owner controlled insurance program (OCIP).

There are advantages and disadvantages to each approach, depending on the individual circumstances.

In either case, the employer or contractor will be obliged to provide insurance that fully recognizes the other party’s interest in the contract works.

Construction all risk insurance

Our international CAR team specializes in:

  • High-end projects that require specific sector knowledge and experience, where the local market might not have the expertise or capacity to accept the risk
  • Infrastructure projects, including ports, dams, roads, bridges, tunnels and airports
  • Timber frame construction is a large part of CAR business book.

In addition to CAR insurance, our team of specialists also has expertise in designing, placing, and managing third-party liability (TPL); contractors’ plant and equipment (CPE); delay in start-up (DSU) and advanced loss of projects (ALOP) as part of an CCIP or OCIP placement.

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Our team of experts are leaders in their field. We are passionate specialists who speak your language and have an in-depth understanding of the insurance and risk issues in the construction industry.

Our dedicated team works alongside our clients because creating lasting partnerships is in our DNA.

We deliver proactive service from a team that is on your side and committed to excellence through all stages of the insurance transaction.

Leveraging our expertise and innovative approach, we challenge the accepted industry norms to design unique risk transfer solutions which lead the industry. We deliver pre-eminent products, at a competitive price, underwritten by the right insurers.

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