Construction insurance · FSP 49912
Cover that holds
when the site
doesn’t.
We are construction insurance brokers. We arrange the cover your contract asks for: the works, the plant, the people and the guarantees. All cover is subject to underwriting.
Rather talk?Call 080 777 7771WhatsApp 082 733 0192
Not sure what you need?
Pick the one that sounds like you.
We will point you in the right direction. No jargon.
Since 2005 construction only
Eight covers we arrange
FSP 49912 authorised broker
One broker yours, by name
Cover we arrange
See every policy →Guarantees, in plain English.
You need a facility in place before you can take out a guarantee. It is set up once, then every guarantee on every project draws on it, up to your approved facility limit. We arrange that too, and we walk you through the wording. Facilities are subject to underwriting, guarantees are issued by the insurer, not by CivilSure, and if a guarantee is called you repay the insurer.
Why CivilSure
We read the
contract first.
A policy is only as good as the contract it was written against. So we start there.
Proud partnerWe teach the industry out of troubleMost claims start with something nobody read. So we explain contracts and policies in plain language to contractors across the industry. The more builders understand their risk, the less risky the building world gets. That is the work we do with MBA North.
Visit MBA NorthHaving 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.Wimpie Kies
Former director, Belo & Kies Construction
Public industry comment. Not financial advice.
Quick answers
All questions →Usually yes. Most contracts will not let you on site without it. Send us the contract and we will tell you what it asks for.
No. We are brokers. We are not limited to a single market, so we shop your risk across licensed insurers and match the wording to your business.
The part of a loss you pay yourself before the insurer pays the rest. It changes depending on the item, the type of claim and the risk. Theft and overturning usually carry a bigger one.
Yes. Plenty of contractors put hired-in plant on their own policy rather than taking the rental company’s cover. Check what your hire agreement requires, and make sure the plant is declared to your insurer.
Generally covered where there is visible, forced entry and you have met the site security terms in your policy: typically fencing, lighting, locked containers, and guards if the policy asks for them.
Not automatically. For a refurbishment or an extension you need the existing structures extension added.
No. All Risk covers the works you are building. Public Liability covers harm to other people and their property. All Risk usually has a small liability section, but it is thinner than a standalone policy.
There is a minimum premium, plus admin or re-issue fees and statutory levies. Some guarantee facilities also ask for collateral. That is security held by the insurer, not a fee. It is refundable once your obligations under the facility are discharged and any amounts owing to the insurer have been settled. If a guarantee is called, those funds may be applied to the insurer’s loss. We set out the costs on your quote.
Turnaround depends on your paperwork and on underwriting. If the tender closes first, a Letter of Intent is likely to be available, subject to underwriting and to your client accepting it.
An insurance broker, not an insurer. iTribe (Pty) Ltd, trading as CivilSure. An authorised financial services provider, FSP 49912.
Get covered before you break ground.
Send us the contract. We will tell you what it needs and what it is likely to cost.
080 777 7771·WhatsApp 082 733 0192·Submit a claim
