Specialist Broker Services
For Guarantees and Construction Insurances in South Africa
Quote faster, get an instant quote. Price your insurance online with our pricing calculators, and keep your tender moving
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Insurance Solutions Made SimpleFor Contractors
Whether you need a Letter of Intent, a Performance Guarantee, or Contractors All Risk cover – start here.
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.
Letter of Intent
Confirm cover for tenders quickly and easily.
Construction Guarantees
Secure your contracts with fast turnaround.
Contractors All Risk
Protect your projects, plant machinery and people.
Our Insurance Cover
Our Insurance Cover
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.
Questions Everyone is asking About CivilSure
Questions Everyone Is Asking About CivilSure
1. What makes CivilSure different from a general broker?
CivilSure focuses exclusively on construction and engineering risks. That means our advice, policy wordings, and claims support are built for contractors and project professionals. We understand JBCC and FIDIC contracts, guarantee wordings, once-off project covers, and the day-to-day realities on site. Our online forms and calculators make it simple to move from enquiry to quote.
2. Are you an authorised financial services provider?
Yes. CivilSure operates under i-Tribe (Pty) Ltd, Authorised FSP 49912.
3. Which construction covers can you help with?
- Construction Guarantees (Performance, Retention, Bid/Tender, Advance Payment)
- Contractors All Risk (CAR)
- Plant All Risk (PAR) for owned and hired-in plant
- Site/Public Liability and Products Liability
- Professional Indemnity (including Design & Construct)
- Project-specific once-off policies
4. How quickly can I get something in hand for a tender?
We prioritise tender deadlines. Start with our online Letter of Intent to get your letter almost immediately. Use our Guarantee Online Calculator to get cost estimates, This also submits the basic documents to our brokers to start putting together your official quote. We know time is of the essence. The faster you can get your docuents and contract values to us, the sooner we can get back to you.
5. Do you help with guarantee wording (on-demand vs surety; JBCC requirements)?
Yes. We explain the practical differences, highlight risks in the wording, and propose market-accepted forms. Final acceptance always rests with the employer or principal, but we ensure you understand the implications before you sign.
6. I only need cover for one project. Can you place once-off CAR or Liability?
Yes. We regularly arrange once-off CAR and site liability policies for single contracts, subject to underwriting.
7. What documents do you need to quote properly?
Usually:
- Contract or tender pack (JBCC/FIDIC/bespoke)
- Contract sum, period, and site location
- Principal and key subcontractor details
- Plant schedule (owned and hired-in)
- Claims/loss history
- For guarantees: latest financials, contract award or letter of acceptance, and security requirements
Our online forms capture the basics; we then confirm details with you.
8. Do you cover hired-in plant and cross-hire?
Yes. We can insure hired-in plant under PAR on the correct basis and align your cover to the hire agreement terms. Speak to us before signing hire terms that shift risk to you.
9. Where do you operate?
We serve contractors across South Africa and align cover and wordings to local standards and employer requirements. We also do guarantees , Contractors all Risk and Plant All Risk for South African companies who do work in Sun Sahara Africa.
10. Which insurers do you place with
We place risks with licensed South African insurers. The panel depends on the class of risk, project profile, service levels, and claims capability.
11. Can you help me choose between Performance, Retention, and Advance Payment guarantees?
Yes. We compare security, cost, and wording requirements against your contract so that you select the most suitable instrument for the employer and for your balance sheet.
12. How do your online tools help me?
They provide quick estimates and structure the information underwriters need. You get a clear starting point, and a broker finalises terms with you.
13. How do I get started?
Choose the relevant path on our site – Construction Guarantees, CAR, Plant All Risk, Site Liability, Professional Indemnity, or Letter of Intent – complete the short form, and a broker will follow up to tailor terms for your project.
14. Do you fund projects like a bank?
No. We are not a lender and do not provide project funding or loans. Our role is to arrange insurance that protects your project and business if a covered risk occurs (for example CAR, Plant, Liability, and Guarantees).
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.
with CivilSure you get:
Clear Terms
Explained Insurance
Minimal Jargon
Understanding Of What You Need
Partnering withMBA 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
Advoacy
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.
What our clients have to say about us
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.”
