Construction all-risks (CAR)
Commercial

Construction all-risks (CAR)

The policy that protects your project from start to finish. CAR (Contractor’s All Risks) covers physical damage to the construction, equipment and third-party liability throughout the project period.

Every project — from a remodel to an infrastructure build — is exposed to fire, collapse, theft, error and natural events. Construction all-risks brings the protection of the works, materials, machinery and third-party liability into a single policy, and it’s often a requirement of banks and clients.

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Mint Group · Commercial brand of Pledge Co, S.A. · SSRP PJ 995
We represent
Internacional de SegurosMAPFRESURAASSAMercantilAcertaCHUBB
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Ideal for
Construction firmsReal-estate developersInfrastructure contractorsMajor remodels

What your policy can cover

01
Damage to the works
Coverage of the construction against fire, collapse, workmanship error and more, throughout the project.
02
Materials & equipment on site
Protection of stored materials and equipment installed on site.
03
Construction machinery
Coverage for owned or rented machinery operating on the project.
04
Third-party liability
Damage to neighboring people or property caused by the works.
05
Natural events
Flood, storm, earthquake and other events as contracted.
06
Maintenance period
Extension of coverage after handover, during the works’ warranty phase.

Additional coverages & options

Don’t see what you’re looking for? There’s far more — we work with nearly every coverage in the market. Tell us what you need.

+Contractor’s plant & machinery (CPM)
+Debris removal
+Expediting expenses
+Designer’s risk
+Existing and adjacent property
+Strike, riot & civil commotion

When your policy responds

Fire on site
A fire destroys part of the ongoing construction. The policy covers rebuilding the completed work.
Structural collapse
A failure causes a section to collapse. The insurance responds for the physical damage.
Damage to a neighbor
Excavation affects the adjacent property. The policy’s liability covers the claim.

Frequently asked questions

What people ask us most about this coverage.

What is a CAR policy?
Contractor’s All Risks: comprehensive coverage for construction works throughout the build period.
Who should buy it?
Usually the contractor or developer; it’s often a bank or contract requirement.
Does it cover after completion?
Yes, via the maintenance period, which extends protection during the warranty.
Does it include machinery?
Machinery can be included in the policy or via contractor’s plant & machinery (CPM) cover.
Let’s design your coverage.
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This content is general and informational. Coverages, limits and exclusions are governed by the conditions of each policy and carrier.
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