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What is a Contractors All Risk Insurance policy?

by | Jul 10, 2014 | Contractors All Risk

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



Special project delay insurance for special risks

You know that there are many risks associated with running a construction company. After civil unrest wreaked havoc in South Africa in June and July this year, you may be asking yourself: “What would happen if we should have to temporarily close our construction sites because of civil commotion, public disorder, rioting, looting, labour disturbances, strikes, a lockout – or even an act of terrorism?”

When a Disgruntled Employee Sabotages Your Structure…

Does Contractors Liability on the Contractors All Risk policy cover damages to a structure, caused by a disgruntled employee’s pre-meditated sabotage?

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:

Determining The Value Of Your Plant

To determine the value of construction plant we investigate Market Value, Fair Market Value, Replacement Cost, Replacement Value & Actual Cash Value

Construction of the Tallest Building in South Africa

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

What is Plant All Risk Insurance?

Your onsite machinery (plant) is vulnerable to a number of problems such as breakdowns, vandalism and theft. Missing a project deadline can be bad news for your bottom line as well as your reputation. Plant All Risk Insurance covers you for loss of, or damage to, construction plant and equipment whilst in storage, transit, on the contract site or being use as a tool of trade.

Build a foundation against liability claims litigation with construction liability cover

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?

Three ways to insure your plant

Civilsure understands the importance and necessity of comprehensive plant insurance at a reasonable rate. We also know that you expect impeccable service and attention to detail at claims stage. That is why we are committed to helping you choose the correct plant all risk (PAR) for your business needs.

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 Are Latent Defects?

A Latent Defect is a defect that is not detected by ordinary inspection, but lies hidden until sometime later, when it’s discovered because it causes a problem that everyone can see.  An example of latent defects would be weak concrete in part of a bridge column, that looks the same as strong concrete, but collapses when a heavy truck drives over the bridge.

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

CALL US ON 080 777 777 1

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