Contractors All Risk Insurance

  • Same-Day Turnaround Times for Quotes and Documents
  • Rapid Comprehension of Your Requirements
  • Collaborative Policy Development and Lender Engagement
  • Arranging Building Warranties in 48 Hours or Less
  • 25 Years Experience of Construction Industry Expertise

Contractors All Risk Insurance is a comprehensive policy designed to protect construction projects from various risks. It covers accidental physical loss or damage to the works, materials, and equipment on-site during the construction period.  This type of insurance is essential for both small and large contractors operating in the UK, including:

  • Builders,
  • Electricians,
  • Plumbers,
  • Roofers.

It applies to different projects, such as residential, commercial, and renovation works.

FYI, this policy is commonly shortened as CAR insurance, but it is not related to actual cars.

Contractors All Risk Insurance Brings Numerous Benefits for Your Construction Business

  • Comprehensive Protection

    Covers a broad spectrum of risks associated with works, materials, and equipment used on-site.

  • Financial Security

    Protects your company from financial losses resulting from damages or losses to building works.

  • Legal Compliance

    Helps in meeting the building laws and regulations set by the UK government.

  • Peace of Mind

    Offers assurance to contractors, property owners, and employers during construction projects.
  • Public Liability

    Includes coverage for third-party injury or property damage.
  • Custom Plans

    Can be tailored to specific project needs or provided as an annual policy.

Why Choose Us as Your Contractors All Risk Insurance Provider

At Construction Insure, we offer contractors comprehensive all-risk insurance solutions tailored to their specific needs. Leveraging our 25-year-old industry expertise, we create customised policies that address the unique challenges of your business.

Our commitment to quality is reflected in our partnerships with A+ rated insurers, providing you with the highest level of financial security and protection for your construction projects.

Construction workers

Contractors All Risk Insurance Coverage

Coverage Contractors All Risk Insurance Contractors Combined Contract Works
Project duration and overall cost
Machinery and materials
Public and employers' liability
Own plant and hired-in plant works
Additional costs and unexpected expenses
Accidental damage due to natural disasters
Protection against theft or vandalism

WHAT OUR CLIENTS SAY

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" Comparing like with like plus some lower excesses you have managed to save me in excess of £1500 or approximately 15% on my previous insurer. "

- Hew Stevenson

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" We found you to be more thorough, efficient and reasonably priced than our existing insurer. We would not hesitate in recommending you to anyone."

- Zena Nairi LLB (Hons)

Frequently Asked Questions

CAR insurance is often required by construction contracts (such as JCT or NEC) and by clients or lenders before work commences. It is highly recommended for any contractor or developer wanting to protect against the financial risks of accidental damage or third-party claims during construction.

CAR insurance operates by covering the insured against physical loss or damage to the construction works, materials, and equipment during the construction period. In the event of a claim, the policyholder must provide evidence of the loss, after which the insurer assesses the claim and provides compensation based on the policy terms.

The sum insured should reflect the full replacement cost of the works, including materials, labour, and any associated professional fees. For annual policies, coverage limits should be based on the largest project undertaken during the year.

Common exclusions are:

  • Defective workmanship or design flaws (covered by professional indemnity insurance);
  • Normal wear and tear, corrosion, or gradual deterioration;
  • Pre-existing defects or damage before the policy starts;
  • Loss of profit (unless specifically added);
  • Penalties, liquidated damages, and contractual fines;
  • War, terrorism (unless added), and nuclear risks;
  • Directors’ and officers’ liability, and injuries to employees (unless employers’ liability is included);
  • Intentional damage caused by the insured or their employees.

Need Contractors All Risk Insurance? Get in Touch Today!

Please get in touch today for a free no obligation quotation.