Enquire Business Insurance
Contractors All Risk (CAR)
Protect Your Construction Project From Start to Finish
Contractors All Risk protects construction works, materials, plant, and equipment, plus third-party liability, from the start of a project through to handover.
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Cover options
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Underwriters
24/7
Claims support
Quick overview
It covers the two primary risks on a construction project — physical damage to the works, and third-party injury or property damage claims. Common for buildings, roads, schools, water tanks, sewage plants, flyovers, and airports.
Why it matters
Why Is It Important?
Construction sites are constantly changing, which creates different risks at different stages of a project. The right insurance helps reduce the financial impact of covered incidents and gives contractors and project owners greater confidence throughout the construction process.
One policy for the two big risks on site
Every construction project carries two primary risks: physical damage to the works, and third-party injury or property damage claims. Contractors All Risk covers both under a single policy — for contractors building houses, roads, schools, churches, water tanks, sewage treatment plants, flyovers, and airports.
Cover for the whole contract period
Damage can happen at any stage — improper construction of a structure, an accident during a renovation, or damage to temporary works erected on site. Subcontractors and other third parties can also be injured while working there. CAR responds from the start of works through to handover, and into the maintenance period.
Who it's for
Who this cover is for
- Building contractors
- Civil engineering firms
- Road and infrastructure projects
- Developers and project owners
- Subcontractors
Cover options
Your cover options
Choose the option that matches your needs. Exact terms, limits, and extensions vary by insurer and policy.
01
Material Damage
Physical loss, damage, or destruction of the property from any cause other than those specifically excluded in the policy.
02
Contractor's Plant & Machinery
Covers movable plant and machinery owned or leased by the principals or contractors for construction work, repairs, and maintenance jobs.
03
Third-Party Liability
Covers the legal liability falling on the insured contractor as a result of bodily injury or property damage suffered by a third party.
Protection
What this cover protects against
What applies to your policy depends on the cover level you choose and any extensions added.
construction
The contract works
Physical loss, damage, or destruction of the permanent works under construction.
home_repair_service
Renovation & existing structures
Damage that happens during a renovation or extension of an existing property.
build
Temporary works on site
Loss or damage to scaffolding, formwork, and other temporary works erected for the project.
precision_manufacturing
Plant & machinery
Movable plant and machinery owned or leased by the principals or contractors for the works.
personal_injury
Third-party injury
Liability for injury to third parties, including subcontractors, on site.
gavel
Third-party property damage
Liability for damage to others' property arising from the works.
Key benefits
What you get with the cover
One policy for the whole project
Works, materials, plant, and liability covered together.
Tender requirement
CAR cover is standardly required in construction contracts.
Cover can be extended
Material damage, plant and machinery, and third-party liability can each be added to suit the project.
Flexible limits
Cover sized to the project's value and duration.
Exclusions
What's not covered
Wear and tear, gradual deterioration, and rust
The cost of correcting faulty workmanship or defective materials (the defective part itself)
Penalties or losses due to delay, non-completion, or breach of contract
Loss discovered only at the time of stock-taking
War, invasion, and nuclear risks
Cash, cheques, stamps, and other valuable documents
This is a general list. Your policy wording sets out the full exclusions that apply.
Getting covered
What you'll need
To take out cover
- Company registration documents
- Contract / project documents
- Project location
- Contract value
- Project duration
- Construction plans or scope of work
- Details of plant, machinery, and materials where applicable
Requirements may vary depending on the insurer, type of cover, risk involved, and individual circumstances. Our team will advise you on the specific documents required for your policy.
Glossary
Common terms explained
Contract Works
The permanent and temporary works being constructed under the contract.
Maintenance Period
The period after completion during which defects are corrected and remain covered.
Principal
The project owner or employer who engages the contractor to carry out the works.
Third Party
Anyone other than the insured and their employees — including subcontractors and members of the public.
FAQ
Frequently asked questions.
The essentials on contractors all risk (car) — what it covers, what you'll need, and how claims work. More on the FAQ page.
See all FAQsWhat does CAR insurance cover?
It covers physical loss or damage to the construction works, materials, plant, and equipment, plus third-party liability arising from the project.
Is CAR cover mandatory?
It is almost always a contractual requirement in construction contracts and is a standard condition of most tenders.
Does it cover my machinery on site?
Yes — plant and equipment used on the site are covered under the policy, subject to the agreed limits.
Are subcontractors covered?
Subcontractors working on the project can be included, and the third-party liability section responds if one is injured on site.
What kinds of projects is CAR used for?
Buildings, roads, schools, churches, water tanks, sewage treatment plants, flyovers, and airports — essentially any construction or civil engineering contract.
Flexible cover
Build with confidence
Contract values, durations, and conditions differ from job to job. Our advisors size the cover to the full contract value and match the policy period to the programme. Let Cush Insurance Agency help protect your project from start to handover.
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