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Contractors All Risk Insurance

Protecting construction works against sudden and accidental loss

Contractors All Risk (CAR) Insurance is a project-specific policy covering physical loss or damage to contract works caused by sudden and unforeseen events at the site. The cover applies during the construction phase and may include third-party liability, subject to policy terms and exclusions.
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Why Contractors All Risk Insurance Matters

Construction projects face constant exposure to accidents, weather events, theft, and third-party claims. CAR Insurance helps manage financial impact during execution while supporting tender compliance and protecting project cash flows during unforeseen site incidents.

Key Benefits

Covers sudden accidental damage to contract works

Protects materials and structures at project sites

Includes fire, explosion, and natural peril losses

Supports third-party liability during construction

Helps manage reinstatement costs after site incidents

Add-on options available for maintenance period cover

What’s Typically Covered & What’s Not

  • Typically Covered
  • Fire damage
  • Flood damage
  • Accidental collapse
  • Theft vandalism
  • Third-party damage
  • Typically Not Covered
  • Design defects
  • Poor workmanship
  • Wear tear
  • Delay penalties
  • Business losses

Who Should Consider Contractors All Risk Insurance

Contractors All Risk Insurance policy is essential for civil contractors, infrastructure developers, real estate projects, and government or tender-based works. It is most relevant where project values, material exposure, and third-party risks are significant. The cover may be less critical for very small, low-value works with limited onsite exposure.

Why Choose Avalani

As IRDAI-licensed insurance brokers in Gujarat, we put your business and needs first. You get customised coverage, verified valuations, claim assistance, and quotes from 20+ insurers for the best value.
Protecting What You’ve Built.
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FAQs

What is Contractors All Risk Insurance?
Provides all-risk protection for construction projects during execution period.
Yes. It is issued for a defined project and construction period.
No. These remain contractor liabilities and are excluded.
Usually included, subject to specified limits and conditions.
No. Consequential and delay-related losses are excluded.
Limited maintenance period cover may be added by endorsement.