Contractor All Risks

Contractors' All Risks insurance (CAR) (also referred to as Contract Works or Construction Insurance) typically provides cover for the cost of physical loss or damage to building works, advanced loss of revenue/income, public liability, installation and constructional plant/machinery including hired-in plant and tools where you are responsible under CPA conditions. This form of Insurance covers existing structures, temporary and permanent construction works plus materials should they be damaged or stolen prior to completion. The policy can be used to cover new builds, refurbishments, repairs or extensions.

Most commonly, CAR insurance is underwritten on an annual policy covering all projects but is also available to cover single projects.

The obligation to maintain CAR insurance generally ceases on practical completion.

The following policies may be worth considering when taking out CAR insurance:

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