Contractors All Risks Insurance

When you’re managing a construction project, unexpected damage or accidents can cause costly delays. Contractors All Risks Insurance ensures you’re covered for a range of potential risks, from property damage to third-party claims. At Robison & Co, we offer tailored cover designed to protect contractors, developers, and subcontractors, giving you the peace of mind to focus on your work. We also work closely with you to customize your policy to meet specific contract requirements, such as JCT conditions, ensuring you remain fully compliant throughout your project.

Why Choose Robison & Co

At Robison & Co, we understand the construction industry and the unique risks involved in your projects. Here’s why so many contractors trust us:

Expert Guidance

Many people find claims frustrating. Insurers don’t always communicate clearly. Delays, paperwork, and back-and-forth discussions can leave you feeling powerless.

Tailored Cover

Every construction project is different, and we offer bespoke insurance solutions to ensure you’re adequately covered. From small renovations to large-scale developments, we’ve got you covered.

Reliable Support

In the event of a claim, Robison & Co is here to make the process as smooth as possible. Our team will support you every step of the way, ensuring that you get the help you need when you need it.

Competitive Pricing

We offer flexible and affordable pricing options to suit your budget. You can rely on Robison & Co to provide the best value for the protection your business needs.

What is Contractors All Risks Insurance?

Contractors All Risks Insurance (CAR) is a comprehensive insurance policy designed to cover the risks associated with construction projects. Whether you’re building, renovating, or involved in any kind of construction, this policy offers protection against a wide variety of incidents.

It includes cover for property damage, theft, fire, third-party liability claims and employers liability. A Contractors All Risks policy ensures that your project, your equipment, and your work are fully protected against unforeseen events.

Who Does Contractors All Risks Insurance Cover?

Contractors All Risks Insurance is vital for anyone involved in the construction industry. This includes:

Contractors: Whether you’re managing large or small projects, CAR insurance ensures that your construction work and property are protected.
Subcontractors: Protect yourself from risks associated with your specific tasks and avoid financial losses from unexpected events.
Developers: Developers managing construction projects can safeguard their investments and ensure cover for potential damages or delays.
Architects & Engineers: These professionals benefit from CAR insurance, particularly for cover against claims related to design or planning errors.
Property Owners: If you’re a property owner overseeing construction, you also need this insurance to protect your assets and projects.

What is Included in a Typical Contractor All Risks Insurance Policy?

A Contractor All Risks Insurance policy typically includes several key types of cover:

Material Damage

This covers damage to property, tools, and materials at the construction site due to events like fire, flooding, or theft.

Third-Party Liability

If your construction work causes injury or damage to a third party, this cover ensures you’re not financially liable. It’s essential for protecting yourself from potential lawsuits.

Damage to Existing Structures

If your work accidentally damages any existing structures on-site, this cover will help cover repair costs. This type of protection is typically offered as an extension to a Contractors All Risks (CAR) policy, ensuring you have comprehensive coverage for potential liabilities on-site.

Contractor’s Tools & Equipment

Protection for the tools and equipment you use on the job including Hire-In Plant & Equipment, ensuring that any loss or damage to these valuable assets is covered.

Delay in Completion

Some policies also cover financial losses from delays in project completion, which could result from insured events like fire or theft.

Ready to Protect Your Business?

Ready to protect your construction projects? Get in touch with Robison & Co today to discuss your Contractor’s All Risks Insurance needs and get a personalised quote. Our team is here to help you find the best cover for your business.

Contractors Risk Insurance FAQs

What is the difference between Contractor All Risks Insurance and Public Liability Insurance?

Contractors All Risks insurance protects the physical construction project, materials and equipment on site from loss and/or damage. Public liability insurance protects you from legal liability if your work injures a member of the public or damages someone else’s property.

In short, Contractors All Risks covers your property and work, while public liability covers you against any third-party claims.

Do subcontractors need Contractors All Risks insurance?

Whether or not you need Contractors All Risks cover as a subcontractor will depend on the main contractor or project employer. You will need to check that the main contractor’s insurance will cover you under their Contractors All Risks policy. Even if you are covered by the main contractor, you may still need to purchase separate cover for your tools, equipment, or unshared liabilities.

Can i customise my Contractors All Risks Insurance policy?

Yes, Contractors All Risks policies are tailored to your specific risks. Contact us today and one of our brokers will assess your risks and recommend any additional cover and specific cover levels you may need.