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Sasria’s core business is the provision of short-term insurance for riots, strikes, terrorism, civil commotion and public disorder to businesses and individuals.

Sasria offers R500 million cover on all classes of business at set rates. Additional cover of R1 billion is available on request.

The construction all-risk cover is available on building contracts risks, civil contract risks, contract works, contractors’ all risks, demolition all risks, erection all risks, works damage, plant all risk and plant hire.

For more information, visit the Sasria Website.

Contractors All Risk

Cover provided by Contract Works Coupon
Building contract risks, civil contract risk, contract works, contractor’s all risk, demolition all risks, dismantling all risks, erection all risks and workers damage.

Period of Insurance
The period of insurance of a Sasria construction risk coupon may be either 12 consecutive months, or from the inception date of the specific contract until completion of the contract, which may be shorter or longer than 12 consecutive
calendar months.

Sum Insured
Underlying policy Sum Insured and all additional covers.

Specific Contracts
Adjusted at the end of the period of insurance.

Period of Insurance


  • Sasria period of insurance may be extended if the underlying policy is extended.

• An additional premium in terms of the Sasria cover must also be charged using the same method of calculation.

Additional covers


• Additonal storage

• Professional fees

• Employees personal effects on employer’s policy

Sasria Policy Wording

We always want to keep you informed of all market or regulatory changes and updates that
have an impact on our business. Therefore, we're pleased to let you know that the Sasria Contract Works
policy wording has been simplified and is now available in plain language.


Arranging construction insurance is not a do-it-yourself activity and, if dealt with
improperly, claims could be rejected. The insurance must be carefully considered to include and list all identified risks including the location of the works, the type
of structure, the method of construction and where existing structures or other site conditions may be at risk. Sasria cover is known as Supplementary
Insurance and is not available to the public. It needs to be arranged by an experienced broker like us who takes the time to understand the insurance needs of each specific project.
Dan Payton, CivilSure CEO


How Do I Lodge a Claim with Sasria?

In order to claim through SASRIA, the incident must be reported as soon as possible to the South African Police. You must then inform us about the claim and we’ll send the details to SASRIA on your behalf. If the claim is approved by SASRIA, they’ll send us the payment and we’ll ensure the payment is made to you.

Does SASRIA Insurance Cover Business Interruption?

For commercial clients, SASRIA cover in terms of Business Interruption is limited to fixed expenses or standing charges and net profit, but not for the traditional contingent business interruption covers such as losses following damage to premises of customers and suppliers, and to the supply of public utilities like water and electricity.

How Much is the Excess on a SASRIA Contract Works Claim?

For loss or damage to contract works and materials, the excess or first amount payable is calculated
as 0,1% of the value of the specific contract for which a claim is made. The following minimum and
maximum amounts apply:

Minimum excess (first amount payable)
• R250 (Domestic risks)
• R2 500 (All other risks)

Maximum excess (first amount payable)
• R25 000

For loss or damage to a construction plant, the excess is R1 000 for each loss or damage arising from
any one insured event.

CALL US ON 080 777 777 1

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