Specialist Broker Services
For Guarantees and Construction Insurances
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If you know what you need, fill out our forms to apply online. If you’re not quite sure, scroll down, we briefly break down the different insurance covers for you.
Why CivilSure?
CivilSure was founded with a purpose: to fix what insurance got wrong for so many in construction. Our founder learned the hard way – burnt by hidden terms, confusing jargon, and a lack of industry-specific guidance at a time when it mattered most.
That experience became our mission: to bring builders the kind of insurance support thatʼs clear, honest, and built for your world.
Weʼve learned a lot from Dan Payton, who knows what it’s like to be left in the dark when it comes to insurance. And weʼre here to make sure that doesnʼt happen to you.
At CivilSure, there are:
Clear terms, Explained insurance with minimal jargon and an understanding of what you need.
Our Insurance Solutions
Letter of Intent
A Letter of Intent shows you’re a serious bidder at tender stage. It tells the employer you’re ready to move, and gives you time to get the right insurance in place if the contract’s awarded.
Contractors Site Liability
Tailored liability insurance that protects your construction site and the parties named in the contract. It covers third-party property damage, bodily injury, and death arising from activities carried out under the terms of the contract.
Contractors All Risk (CAR)
Annual or Once-Off Contract Works Insurance
A comprehensive policy that covers the employer, main contractor, subcontractors, and sub-subcontractors during construction. It protects against accidental physical loss or damage to the works and materials on site – whether for a single project or across multiple contracts.
Construction Guarantees
Most contracts require security either retention or a performance guarantee.
Retention holds back your money and strains cash flow. A performance guarantee costs a small premium and keeps your retention intact.
If you’re paid upfront, an advance payment guarantee protects the employer until the work or materials are delivered.
These tools protect both sides – without tying up your cashflow.
Plant All Risk (PAR)
Your on-site machinery, scaffolding, and building tools aren’t covered under the Contract Works policy and must be insured under this section.
If selected, this cover protects owned, hired-in, and hired-out plant, tools, and equipment on an all-risk basis -excluding mechanical or electrical breakdown, unless caused by an accident.
It’s especially important to include plant hired-in cover when renting equipment, as CPHA contract terms typically make you liable for any loss or damage.
Design and Construct Indemnity (D&CI)
Many contractors assume they don’t need D&C Professional Indemnity cover because “the client handles the design.” While this may apply to Permanent Works, it ignores the contractor’s responsibility for Temporary Works – which are often designed and managed on site.
D&C PI also covers errors in supervision and faulty workmanship, even if the contractor didn’t do the design. If you’re responsible for how it’s built, you need protection.
Professional Indemnity
Provides for claims from professional services – such as giving advice, or making an error or omission, whether due to actual or alleged negligence.
This insurance protects you against legal liability to pay compensation, including both damages and defense costs, resulting from the performance of your professional duties.
Guarantees Explained
If the paperwork is confusing, if you are not sure how long these things take, or what the contract wording actually means - you are not alone.
We have broken it all down with plain-language explanations, real examples, and straight answers to the most common questions builders ask.
Click below to get it all laid out - no jargon, no guesswork.
Wimpie Kies, respected construction leader and former director of Belo & Kies Construction, has voiced his full support for CivilSure’s mission to protect contractors across South Africa from the risks posed by unfair guarantee calls.
“Having experienced the devastating impact of unfair guarantee calls firsthand, I know how critical it is to reform the system and restore trust within our industry,” said. “I stand firmly behind CivilSure’s mission to safeguard contractors and uphold the integrity of our profession.”
Kies brings with him a legacy of excellence in the construction sector, having led award-winning projects and received multiple health and safety honours from the Master Builders Association. His endorsement reflects growing momentum in the call for fairer practices and stronger support structures for contractors navigating an increasingly complex and high-risk environment.
As the industry confronts mounting challenges, initiatives like CivilSure represent a vital step toward building a more secure, transparent, and collaborative future for construction professionals in South Africa.
Partnering with MBA North
We are proud to partner with the Master Builders Association North, a trusted organisation that has supported and educated builders and contractors in Gauteng, Mpumalanga, North West, and Limpopo for over a century. The MBA is committed to upholding industry standards, promoting fair business practices, and empowering contractors through training, resources, and advocacy.
Our shared mission is to help South African builders succeed by equipping them with the knowledge to avoid costly pitfalls – particularly the hidden risks and contract clauses, such as those found in JBCC agreements, that can lead to serious financial and project losses.
Together, we aim to protect and strengthen our building industry from the ground up.
