Contractor All Risks

What Is Contractor All Risks

Contractors' All Risks insurance (CAR) (also referred to as Contract Works or Construction Insurance) typically provides cover for the cost of physical loss or damage to building works, advanced loss of revenue/income, public liability, installation and constructional plant/machinery including hired-in plant and tools where you are responsible under CPA conditions. This form of Insurance covers existing structures, temporary and permanent construction works plus materials should they be damaged or stolen prior to completion. The policy can be used to cover new builds, refurbishments, repairs or extensions.

Most commonly, CAR insurance is underwritten on an annual policy covering all projects but is also available to cover single projects.

The obligation to maintain CAR insurance generally ceases on practical completion.

The following policies may be worth considering when taking out CAR insurance:

  • Adjoining Properties: Non-negligent liability insurance
  • Public Liability Insurance
  • Employers Liability Insurance
  • Title Indemnity
  • Right of Light Insurance
  • Environmental Insurance

Contact our team on crew@navigator-insurance.com Tel +852 2530 2530 for more Information.

Zurich's Contractor' All Risk Policy covers:

Section I - Material damage

Comprehensive protection in respect of interior decoration works carried at your home during the period of insurance, including loss of or damage to the property and materials, to provide you peace of mind.

Optional extension covers:

  • Removal of debris – Cover the cost of removal of debris up to a maximum of 5% of the total contract value.

  • Automatic increase of sum insured – In the event of an actual contract sum in excess of the estimated contract sum, the sum insured will be automatically increased for a maximum of 10% of the contract sum insured.

Section II - Liability to third parties

You are indemnified in respect of the third party liabilities which you are legally liable to pay for the accidental death or injury and accidental loss of physical property as a result of the interior decoration works.

Optional extension covers:

  • Principal property damage – Cover your liabilities caused by an accidental loss on the principal‘s property in the renovation work.

  • Liabilities to employed visitors–Extendedtoindemnifyyourliability against accidental death or body injury of employed visitors, while visiting the work site on occasional basis.

  • Liabilities protection in defect liability period after renovationwork– Extended liabilities cover in a specified defect liability period after the renovation work.

  • Cover for vibration – Extended liability in respect of any loss of or damage to any property resulting from vibration or by the removal or weakening of support.

Policy Wording, claim form and brochure - Missing


Provides an all risks cover during the construction period for contract works against loss or damage to property, third party liability for accidental bodily injury or property damage in connection with the performance of the contract, and delay in stary up. This CAR/ EAR policy can be bundled with a maximum of 18 months of early operations coverage.

Who Is It For

CAR/ EAR undewrites all of the following types of contruction risks:

  • Power generation and utilities
  • Oil, gas and petrochemicals
  • Chemicals and pharmaceuticals
  • Manufacturing and process industries
  • Residential
  • Commercial
  • Goverment
  • Industrial
  • Heavy civil works and infrastructure (Roadways, railways, bridges, dams, canals, tunnels, water and wastewater distribution, etc.)

What Is Covered

This Policy provides an all risks cover during the contruction period for contract works against loss or damage to property and third party liability for accidental bodily injury or property damage in connection with the performance of the contract, other than by an excluded cause.

Coverage includes:

  • Operational testing and commissioning
  • Delay in start-up
  • Transit and off-site storage
  • Contractors' plant and equipment
  • Third party liability (non-US/ Canada/ Australia locations)
  • Maintenance coverage
  • Professional fees
  • Expediting expenses

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Policy Wording, claim form and brochure - Missing

Chubb's standard cover includes contract materials and/or works, and can be extended to include:

  • Contractors’ plant and equipment
  • Delay in start up
  • Non-negligent liabilities
  • Public liability


  • Strong track record as the leading insurance for large and complicated project contracts
  • Recognised technical experts in the sector
  • Widely acknowledged expertise in claims handling and investigation
  • Strong focus on long-term relationship building with clients

Policy Wording, claim form and brochure - Missing

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