Contractors all risk (CAR)

Construction is risky – storms, theft, accidents, and unexpected damage can derail a project fast. Contractor’s All Risk (CAR) insurance protects your contract works, materials, and liability to third parties while you build.

Whether you are a main contractor, subcontractor, or principal, CAR ensures that if something goes wrong, you can put it right and keep building.

Request Your Non Obligation Contractors all Risk Quote Online

To get a quick ballpark figure for your Contractors All Risk (CAR) cover, start with the short form below. It gives you an upfront estimate so you know what to expect. This also alerts our broker team, so we can review the details and come back to you with a more accurate quote.

Start The CAR Form & Calculator

Get Covered Before You Break Ground

CAR is often required under contract, but more importantly, it protects your project and your reputation.

CivilSure specialises in construction insurance for South African contractors. We make sure your cover fits the real risks on your site, not just what’s on paper.

Some Important Things To Know

What CAR Insurance Covers

Contract Works – The physical project: new work, temporary works, materials (including free-issue materials), and certain off-site storage.

Third-Party Liability – Your legal responsibility if you cause accidental damage or injury to others.

Core Cover Includes

Damage from fire, storm, flood, theft (with forcible entry), and accidental damage.
Professional fees to reinstate damaged works.
Removal of debris after an insured loss.
Maintenance / defects liability period cover after handover.
Liability for accidental damage or injury to third parties.

What's Not Covered

Wear and tear, rust, or gradual deterioration.

Deliberate acts or poor housekeeping.

Penalties or late-completion damages (unless ALOP/DSU bought).

Theft without meeting site security conditions.

Employee injuries (covered under COID/WCA).

Road accidents for licensed vehicles.

Useful Extensions

SASRIA – Riot, strike, public disorder.

Existing structures – When refurbishing or extending.

Surrounding property – Property near your site.

Lateral support – Neighbouring land and structures.

Own and hired plant – Plant, tools, and equipment.

Transit & off-site storage – Materials in transit or stored off site.

Spread of fire / veldfire – Especially near vegetation or farmland.

Setting the Right Sums Insured

We make sure your policy includes:

Full contract value (including Free-Issue Materials and temp works).
Professional fees and debris removal.
Escalation allowance for inflation and variations.
Separate plant and equipment cover where needed.

If you underinsure, average applies – meaning you share the loss cost.

Project vs Annual

Single Project CAR – Tailored for one project, fixed period.
Annual CAR – Covers multiple jobs under one policy, with larger projects listed separately.

Frequently Asked Questions

Do I need lateral support cover?

Yes, if you dig near a neighbour’s property. Example: Your excavation undermines a wall next door. Without lateral support cover, repairs may not be insured.

Does CAR cover existing buildings?

Not automatically. Add the “existing structures” extension for refurbishments or extensions.

Are free-issue materials covered?

Yes, but you must declare them in the sum insured. If the client supplies HVAC (heating, ventilation, and air conditioning) units and one is damaged, you want them included.