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Online Calculators
These give you quick estimate once you complete the form. This will also send your information to our broker to get started on a more fine tuned quote for you, ready to use when you need it.
The calculator require a few pieces of paper and certificates – you can save your progress and come back to it if you’re missing anything!
You can use the quick estimate in the meantime to apply for your tender ASAP.
The estimates are fairly accurate based on the info you provide, but they’re not designed for complex risks like bridges, tunnels, or high-spec builds.
Plant All Risk
What is Plant All Risk (PAR)?
Contractors All Risk
What is Contractors All Risk (CAR)?
Professional Indemnity
This Form Includes the Choice Of Design and Construct Indemnity and Professional Indemnity (PI)
Guarantees
This calculator includes all our Guarantees we offer
Rest assured: all information you provide is kept strictly confidential and used only for the purpose of preparing your quote. And remember – your quote is 100% free and comes with no obligation to proceed.
How Construction Insurance Pricing Works
We Can't Quote a Bridge, Like a Boundary Wall
Some cover is straight forward and ready to go but high risk and technical setups need proper assessment before insurers can put a number to it.
It is easy to get a cheap insurance quote – but there’s always a trade-off.
Insurers can drop the premium by increasing your excess, stripping out key parts of your cover through limitations, or adding conditions that are difficult to meet.
The details in the wording can be the difference between a paid claim and a rejected one. Without the correct advice, Most constructrion companies only find that out when it’s too late.
We’re here to help you understand and clear up misunderstandings
Insurance Is a Technical Game - and Not Always a Fair One
Insurers are known for finding ways to reduce payouts or delay claims. Over the years, we’ve seen how things play out – both when claims go smoothly. and when they don’t.
CivilSure’s experience matters.
We know how to read the fine print, challange decisions, and fight for what’s fair. In an industry where the rules aren’t always in your favour, having someone on your side who knows how it really works can make all the difference.
The price of your cover isn’t just based on the contract value. Insurers look at the full picture to understand the actual risk.
Here’s what affects the cost:
Type of work – Simple jobs like boundary walls carry less risk than bridges, basements, or earthworks.
Site location – Building near the coast? In a built-up area? On a steep slope? These all change the risk.
Materials used – Some materials (like timber frames or alternative building methods) may be riskier than others.
Duration of the contract – The longer the job, the longer the exposure.
Your claims history – Even if you didn’t claim, insurers will consider incidents you’ve had on past jobs.
Ground conditions – Unstable soil, high water tables, or rock excavation increase the risk of delays or damage.
Insurers price Plant All Risk cover based on the value of the plant and how (and where) it’s used.
What affects your rate:
Where the plant is operated – Is it only used on-site, or does it travel on public roads too? More exposure = more risk.
What the plant is doing – A grader working on clean roads is less risky than a machine digging trenches in water-logged clay.
Operating conditions – Sand, salt, and dust-heavy environments increase wear and tear.
Claims history – Even if you’ve repaired damage out of pocket, insurers look at your past incidents.
How your plant is insured – The value basis makes a big difference:
New replacement value – Costs more, but pays out enough to buy a brand-new machine.
Market value – Cheaper, but pays out based on depreciation.
Agreed value – You and the insurer agree on a fixed value upfront.
Retail value – Based on book pricing; may not match what you actually paid or need.
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Type of guarantee (bid, performance, advance payment, retention) affects the rate – higher risk = higher cost.
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Guarantee value – premium is a % of the guarantee amount (not the full contract).
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Duration – longer guarantees cost more (usually charged per year).
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Contractor’s risk profile – financials, track record, management strength.
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Facility vs one-off – facility gives better rates; one-offs are more expensive.
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Security/collateral – reduces insurer’s risk and can lower cost.
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Market rates (per year, as a guide):
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Tender: 0.3% – 0.5%
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Performance: 1% – 3%
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Advance payment: 2% – 5%
-
Retention: 1% – 2%
-
The price of your cover isn’t just based on the contract value. Insurers look at the full picture to understand the actual risk.
Here’s what affects the cost:
Type of work – Simple jobs like boundary walls carry less risk than bridges, basements, or earthworks.
Site location – Building near the coast? In a built-up area? On a steep slope? These all change the risk.
Materials used – Some materials (like timber frames or alternative building methods) may be riskier than others.
Duration of the contract – The longer the job, the longer the exposure.
Your claims history – Even if you didn’t claim, insurers will consider incidents you’ve had on past jobs.
Ground conditions – Unstable soil, high water tables, or rock excavation increase the risk of delays or damage.
Insurers price Plant All Risk cover based on the value of the plant and how (and where) it’s used.
What affects your rate:
Where the plant is operated – Is it only used on-site, or does it travel on public roads too? More exposure = more risk.
What the plant is doing – A grader working on clean roads is less risky than a machine digging trenches in water-logged clay.
Operating conditions – Sand, salt, and dust-heavy environments increase wear and tear.
Claims history – Even if you’ve repaired damage out of pocket, insurers look at your past incidents.
How your plant is insured – The value basis makes a big difference:
New replacement value – Costs more, but pays out enough to buy a brand-new machine.
Market value – Cheaper, but pays out based on depreciation.
Agreed value – You and the insurer agree on a fixed value upfront.
Retail value – Based on book pricing; may not match what you actually paid or need.
-
Type of guarantee (bid, performance, advance payment, retention) affects the rate – higher risk = higher cost.
-
Guarantee value – premium is a % of the guarantee amount (not the full contract).
-
Duration – longer guarantees cost more (usually charged per year).
-
Contractor’s risk profile – financials, track record, management strength.
-
Facility vs one-off – facility gives better rates; one-offs are more expensive.
-
Security/collateral – reduces insurer’s risk and can lower cost.
-
Market rates (per year, as a guide):
-
Tender: 0.3% – 0.5%
-
Performance: 1% – 3%
-
Advance payment: 2% – 5%
-
Retention: 1% – 2%
-
Not sure what cover you need?
Got the job? Send us your Letter of Award and Contract – we’ll check exactly what cover you need.
Rather safe now than stuck later.
Don’t assume your current Contractors All Risk policy fits this project.
Every site is different – let’s double-check it’s right before you break ground.
Upload your documents now and we’ll take a look.
Before you run with that quote, take a minute to check the fine print.
Whether it’s an online estimate or a custom quote from the insurer, there are a few key things to look out for.
We’ve seen where things go wrong, so we’ve laid out what to watch for – upfront. No surprises later.
