Contractors All Risk
The works, the materials and the temporary works while the contract is being built. What is covered, and the period it runs for, is set by the policy wording and your schedule. Have your contract value and project dates ready.
Construction insurance
What moves the price of construction cover.
Get your estimate online in minutes, and your documents moving from there. The quick estimate gives you an indicative number, and the same details go to a broker who comes back with the written quote. The estimate is not a quote and not an offer of cover. Every application is subject to underwriting.
Rather talk it through first? Call 080 777 7771 or WhatsApp 082 733 0192.
- Estimate
- Online, with the contract details to hand
- Then
- A broker fine-tunes the quote
- Quotes
- No charge, no obligation to proceed
- Premium
- Set on underwriting, shown on your quote
- Priced on assessment
- Professional and design indemnity, and complex risks
- All cover
- Subject to underwriting
- Estimates indicative, quotes in writing
- Estimates online, refined by a broker
- Complex risks quoted on assessment
- FSP 49912 authorised broker
Online calculators
Run your estimate
Each calculator gives you a quick estimate once you complete it, and sends the same information to our brokers to start on the fine-tuned quote. You can save your progress and come back if a document is missing, and use the quick estimate to see the order of magnitude while the broker's quote is prepared. Price a tender on the written quote, not on the estimate. The estimates are as good as the information you give them, and they are not built for complex risks like bridges, tunnels or high-spec builds; those we quote on assessment.
Plant All Risk
Owned plant on site and in transit, and hired-in plant where it is declared and the policy provides for it. Have your plant list and values ready.
Guarantees
Handles every guarantee type we arrange, from bid bonds to performance and . Have the contract data and the wording required ready.
Professional Indemnity
and are priced on assessment rather than a calculator. Tell us about the work and a broker will call you back to work through the pricing.
An online estimate is indicative only. It is not a quote and not an offer of cover: the premium, the excesses and the terms are set on underwriting and confirmed in the written quote a broker sends you. What a policy covers, and what it excludes, is set out in its wording and your schedule. There is no charge for a quote and no obligation to proceed. Where you take up cover, CivilSure is remunerated by commission included in the premium, and we will give you the rand amounts in writing on request. Everything you send is kept confidential and used only to prepare your quote.
How pricing works
What moves the price
The price of your cover is not just the contract value. Insurers look at the full picture to understand the actual risk, and these are the things that move the number, cover by cover.
Contractors All Risk
Priced on the project itself: what you are building, where, with what, and for how long.
Plant All Risk
Priced on the value of the plant and on how, and where, it works. The value basis you insure on, market value or replacement value, moves both the premium and what a claim pays, so it is worth checking which basis your schedule uses.
Construction guarantees
Priced like credit: on the instrument, the amount, the duration and your risk profile. The rate itself is set on the 's underwriting and confirmed on your quotation. How the facility works, and what is, lives on Guarantees Explained.
Worth knowing
A cheap quote usually trades something
It is easy to make a premium look small. Insurers can drop the number by moving cost and risk back onto you, and the trade usually hides in one of three places.
A higher excess
The premium falls because you pay more of every claim yourself, before the insurer pays anything.
Thinner cover
Key parts of the cover are limited or stripped out. The policy looks the same on the schedule until the exact excluded thing happens.
Harder conditions
Conditions that are difficult to meet on a real site, like security or storage requirements, which can put a claim at risk before the job even starts.
The wording can be the difference between a paid claim and a rejected one. Construction claims are technical, and the outcome often turns on the fine print. We read it before you sign, we explain what it really says, and when a claim comes we put your case and question decisions where the facts support it. That is the work a broker is for.
Before you accept
Check these three things on any quote
Whether it is an online estimate or a custom quote from an insurer, look at these before you run with it. We check all three with you as part of the quote.
Excesses
The amounts you pay yourself when you claim. They can be higher than you expect, and we can often negotiate them.
Exclusions
Every policy has them, and this is usually where the risk sits. Talk to us about what your policy will not do before you rely on it.
Key add-ons
Lateral support (shoring), working near other buildings, tying into existing structures: if the project involves them, make sure the policy actually covers them.
Got the job? Send us the paperwork.
Send your Letter of Award and the contract and we will check what cover it asks for and come back to you. A current policy will not always fit a new project; every site is different. Rather safe now than stuck later.
Numbers first. Know what you sign.
Run the estimate, get the fine-tuned quote from a broker, and know what the fine print says before you sign anything. The quote is free, with no obligation either way.