Contractor's All Risks

Physical damage and third-party liability during civil construction, covering employer, main contractor and subcontractors together

Contractor's all risks covers civil works during construction, from site preparation to handover, with the employer, main contractor and subcontractors named as joint insureds.

  • Physical damage to permanent and temporary works, and to materials on site
  • Fire, flood, storm, collapse, theft and damage during construction
  • Third-party liability arising from the works
  • Extensions for surrounding property, debris removal and professional fees
  • Maintenance or defects liability period after completion

The policy period should match the contract programme, including extensions of time. Defective design and workmanship are covered only to the extent the chosen clause allows.

How it works

From enquiry to cover

1
We map the risk

A short conversation about what you do and what you own, so the cover matches reality.

2
We go to the market

We compare wording and limits across insurers, not the premium alone.

3
You choose, we place

We explain the differences in plain terms, then place the policy you pick.

4
We run the claim

If something happens, the file is ours to follow through to settlement.

Request a quote for Contractor's All Risks

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