Contractors All Risks Insurance

Commercial Insurance

Contractor All Risks Insurance (CAR Insurance) is a non-standard Insurance Policy that provides cover for property damage (to include improper construction) third-party injury (including Sub-Contractors) or damage claims, Employees, Own Plant and Materials, and Hired in Plant. The Policy can be tailored to suite a Contractor’s specific needs and can be extended to cover the interests of Manufacturers, Suppliers, Contractors, Sub-Contractors, and Financing Companies. Additionally the policy can be expanded to include other events such as: Terrorism, Earthquake, Debris Removal, Damage to Surrounding Property, to name but a few.

Our knowledge of the construction industry enables us to provide you with a full range of risk management services and specialist insurance advice to meet your requirements.

The construction sector walks hand in hand with risk management. That which is uncertain can lead to the possibility of increased costs further down the line. A well thought out and implemented risk management policy can reduce such uncertainty protecting your business.

We have the capability to offer construction companies bespoke contract works insurance on a case-by-case, and often on an ad-hoc basis, where required to do so as is often a contractual obligation or requirement. Also helping you assess your risk, discuss your companies risk profile and make recommendations that meet your requirements. With our market knowledge we will find the best insurance product for our clients in terms of cover and pricing.

Working with many national contractors we arrange annual or long term insurance solutions to include all projects within pre-agreed limits, or by arranging single contract policies on a case-by-case basis. We have the knowledge and access to bespoke facilities which enable us to cater for your needs.

Whatever your trade, you will need to protect your business against unforeseen events. You may be working alone, or in partnership, or employ a team of workers for a national company. Whatever your requirements, we can supply you with an insurance solution that is right for you.

Cover would typically include the following:

  • Public liability insurance
  • Employers’ Liability Insurance
  • Contract Works, Tool, Plant and Equipment Cover
  • Hired in Plant and Temporary Buildings
  • Commercial Legal Expenses
  • Business Interruption Insurance
  • Business Premises  Cover
  • Contents and Stock Cover

Our strengths include our depth of knowledge, experience, and expertise as well as access to leading markets including Lloyd’s of London and bespoke policy wordings.