Contractors All Risk (C.A.R) Policy

The Contractors All Risk (C.A.R) policy delivers robust coverage for construction projects, encompassing everything from buildings to large-scale civil engineering works like dams, roads, airports, railways, water systems, and hydroelectric projects.

This policy protects against a wide array of risks, including damage to contract works, contractor’s machinery, and on-site materials, as well as third-party liabilities for injuries or property damage caused during construction. Coverage extends to natural disasters such as floods, storms, earthquakes, and fire, along with theft of equipment and materials, ensuring comprehensive protection throughout the project lifecycle.

range of coverage

Combination of Insurances

Covers both temporary and permanent works, tools, construction machinery, and equipment, safeguarding against unexpected physical loss or damage, unless specifically excluded.

Public Liability

Extends protection for third-party property damage and injuries resulting from the construction activities.

Comprehensive Coverage

Encompasses a wide range of risks, including Machinery Breakdown, Plant All Risks, Erection All Risks, Electronic Equipment, Contractors Plant and Machinery, and Boilers and Pressure Vessels.

Covered Parties

This policy covers the project owner, general contractor, subcontractors, and, in certain cases, material and equipment suppliers.

Third-Party Legal Liabilities Protection

Protects against legal claims from third parties arising due to the construction project’s activities.

Financial Protection

Offers financial security against losses or damages to the insured property, including machinery and materials on-site.

Delay in Start-Up Protection

Covers financial losses caused by delays in completing the project, ensuring the contractor is protected against potential penalties and loss of income.

Causes of Damage Covered

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