FAQS for Contractors All Risks (CAR)

What is Contractors’ ‘All Risks’ Insurance?

Contractors’ ‘All Risks’ Insurance is a policy that covers Construction Contracts and can include a wide range of things depending what you need including:

• The on-going works on site (The Contract Works)
• Materials on site
• Owned Plant and Equipment
• Hired In Plant
• Employees Tools
• Portable Site Buildings
• Buildings completed awaiting sale
• Contents of Show Homes

Click contact us and we’ll get in touch however you prefer- phone or email or call 0800 141 2877 and one of the Team will be happy to talk through what you need.

Is Contract Works Insurance the same as Contractors’ All Risks?

Usually, yes. But sometimes if you have a ‘Contract Works’ policy it doesn’t cover your Owned and Hired-In Plant.

It can be confusing so Click contact us and we’ll get in touch however you prefer- phone or email or call 0800 141 2877 and one of the Team will be happy to talk through what you need.

My current Contractors’ ‘All Risks’ Insurance only covers my Owned & Hired In Plant – is this normal?

Different insurers call there Construction related insurance policies different things which is often confusing. Some insurance companies simply call their Owned and Hired In Plant insurance policies ‘Contractors’ All Risks’ even though it only covers plant and equipment. Or, if you only want to cover your Plant and Equipment, they might issue a full Contractor’s All Risks but only activate the section of the policy that you need.

It can be confusing so Click contact us and we’ll get in touch however you prefer- phone or email or call 0800 141 2877 and one of the Team will be happy to talk through what you need.

If I have cover for Contract Works, does it cover me if the part of the Work needs to be re-done because it’s faulty?

Contract Works Insurance covers you in the event of a property damage loss. That is if the works are damaged as a result of fire or flood for example or if materials or part of the works are stolen eg copper pipes and a boiler are stolen from a partially built house. It does not usually cover you against rectifying poor or faulty worksmanship.

If you want to talk it through, Click contact us and we’ll get in touch however you prefer- phone or email or call 0800 141 2877 and one of the Team will be happy to talk through what you need.