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A Contractors All Risk Insurance Policy is a policy which insures the principal/ employer and covers the contract works undertaken by the contractor and sub contractors.

CivilSure offers 2 types of Contractors All Risk Insurance policy:

1. Contractors All Risk Once Off

This Contractors All Risk Insurance policy is taken on a once-off basis. When you are awarded a tender, we will provide you with quote for cover on that specific project based on it’s value and risks.  The cover will end when the project is complete.

2. Contractors All Risk Annual

This Contractors All Risk Insurance policy is slightly more comprehensive than the once off policy. You will be quoted on your Annual Projection and Maximum Contract Value. The Contractors All Risk Insurance policy will cover all your projects undertaken in the year of the policy inception. The premium is generally lower than the Contractors All Risk Once Off policy if you work it out annually.

Contractors All Risk Insurance Policy. What is CAR cover? | CivilSure

The Contractors All Risk Insurance Policy covers the following risks:

  • The Contract works
  • Spread of Fire
  • Theft
  • Flooding
  • Earthquakes
  • Landslides
  • Surrounding property
  • Debris removal
  • Public liability
  • Transit and Storage Limit
  • Theft of Cables
  • Piping & Wiring and more on request.
  • Annual policies also allow the addition of Plant All Risk Cover.

With notable exclusions such as:

  • No wooden or thatch buildings unless specifically declared
  • Excludes offshore risks, shaft sinking, underground mining, and tunneling – unless specifically declared
  • Excludes defective workmanship, material & design
  • Excludes Professional Indemnity for engineers or architects (fault / error of professional people)
  • Excludes Loss of or damage to vehicles licensed for general road use or waterborne vessels or aircraft
  • No cover for principal’s advanced loss of profits – cover is available – (please advise if you require this)
  • Excluded contractors plant, tools and equipment- cover is available – (please advise if you require this)
  • Excludes Plant hired in  – cover is available – (please advise if you require this)

To find out more about our CivilSure Insurance Policies, Contact us: 080 777 777 1.

If you would like a quote, you can do so here:

Contractor’s All Risk – Once Off – quote request

Contractor’s All Risk – Annual – quote request



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Read the history >> Construction of the tallest building in South Africa, the Carlton Centre. Built in 1973 and designed by architects Skidmore & Owens.

Why is a Contract Works Policy Necessary?

When it comes to planning a new construction project, insurance doesn’t always get the priority it requires, with contractors often wondering whether it is really necessary to take out a contract works policy at all. Very often the contract works policy is arranged at the last minute, or even after the project has already started.

What is ‘Practical Completion’?

Practical Completion doesn’t mean the Contractor has finished the Works in every detail. It means the Works are sufficiently complete to be safely used by the Employer for the purpose he intended. The Contractor may still complete minor items and fix defects after Practical Completion, as long as the Employer isn’t inconvenienced.

Plant Hire – Have you read the Contract?

Have you read your plant hire contract? You should get evidence of the plant hire contract when you hire in a concrete pump truck or any other item of plant.

How Does a Contractor Claim For An Extension of Time?

A Contractor can claim for an extension of time, thus extending the Due Completion Date for a project. He can also claim for any costs which will increase due to being on site for longer (called time-related General Items).

What is the Defects Liability Period?

The Defects Liability Period starts when the Certificate of Completion is issued and continues for the period agreed to in the Contract. During the Defects Liability Period, the Contractor has to obey all written instructions from the Engineer to carry out repairs and fix any defects which appear in the Permanent Works, so that, at the end of the Defects Liability Period, the Permanent Works are in the condition required by the Contract.

What is not covered by a Contractors All Risk Policy?

The main part of the Contractors All Risks insurance is the Contract Works section which provides cover for the property being worked on (e.g. new house, etc.). But it’s important to be aware of what’s not covered by a contractors all risk policy, these are just a few examples:

Why you need Contractors’ All Risk insurance

All construction work, no matter the size or complexity of the project, contains an element of risk. Find out why you need Contractors All Risk Insurance.

Contractors All Risk policy – Should You Put Your Name On It?

Dirk Gouws (Engineering Insurance expet, AC&E Engineering Underwriting Managers) explains the meaning of having your name on a Contractors All Risk policy.

Are you ready for the summer shut down?

As a responsible construction company owner, you know the importance of insuring your plant and making sure that your other necessary policies are in place with CivilSure. But did you know that the number of instances of – and the size of – liability claims litigation is higher than ever, and climbing?

Civilsure Letter of Intent
Civilsure Construction Guarantees
Civilsure Contractors All Risk
Civilsure Get A Quote
Civilsure Construction Liability
Civilsure Trade Credit
Civilsure Professional Indemnity

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