Contractors All Risks

Contractors All Risks Insurance

From groundbreaking to handover, your construction project, covered.

Contractors All Risks (CAR) covers construction and civil works projects against physical loss or damage during the entire construction period, plus third party liability arising from the works, essential for contractors, developers, and project owners.

Talk to a Private Advisor How It Works

Coverage Details

What's Covered

Construction Works

Physical loss or damage to the works under construction from fire, flood, collapse, and most other perils.

Contractor's Plant & Equipment

Machinery and equipment used on site against damage and theft.

Third Party Liability

Injury or property damage to others arising from the construction works.

Maintenance Period Cover

Extended protection during the defects liability/maintenance period after completion.

Simple Process

How It Works

Share Your Project Details

Contract value, project duration, location, and scope of works.

Get a Project-Specific Policy

We size the cover to your contract value and construction period.

Cover Runs Through Handover

Your policy stays active from groundbreaking through practical completion and the maintenance period.

Common Questions

Frequently Asked

Who should take out this policy, the contractor or the developer?

Either party can hold it, and it's common for it to be a joint-names policy protecting both the contractor and the employer.

Does it cover natural disasters like flooding?

Yes, CAR typically covers most natural perils affecting the works, subject to specific exclusions we'll walk you through.

What happens if the project timeline extends?

Policy periods can usually be extended for an additional premium if your project runs longer than planned.

Across Kenya

Contractors All Risks cover in your county

We arrange contractors all risks insurance nationwide. These counties have their own page for this cover, with the local risks and requirements that apply there.

Lamu

Ready to get covered?

Get your Contractors All Risks insurance quote today, same day cover, zero hassle.

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