Construction & Contractors Industry

Build Boldly: Insurance for India’s Construction & Contractors

From groundbreaking to grand opening, construction projects face towering risks—from structural failures to third-party injuries. Our tailored insurance solutions safeguard your site, equipment, and people so you can build with confidence.

Construction & Contractors Industry

Insurance Products

Contractors’ All Risk (CAR) Insurance

Complete project protection

Covers physical loss or damage to construction works, materials, and temporary structures during storage, erection, and maintenance phases, plus third-party liabilities

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Erection All Risk (EAR) Insurance

Machinery & plant coverage

Covers transit, installation, testing, and commissioning of plant & machinery, including mechanical and electrical breakdowns

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Contractors’ Plant & Machinery (CPM) Insurance

Shield your heavy gear

Covers cranes, forklifts, mixers, and tools against theft, accidental damage, and mechanical breakdown on site

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Third-Party Liability Insurance

Legal protection on site

Covers legal costs and damages for third-party bodily injury or property damage arising from construction operations

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Workers’ Compensation Insurance

Care for your crew

rovides medical expenses, disability benefits, and compensation for on-the-job injuries and occupational diseases

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Pollution & Environmental Liability

Guard against hazmat risks

Covers cleanup costs and third-party claims arising from sudden pollution, contamination, or hazardous spills on site

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Trusted By 1500+ Enterprises

Join builders and contractors who trust CoverBizz to secure their projects

What Keeps Contractors Up at Night

Top 5 Current Risks

Falls & Site Accidents

Construction accounts for 11,600+ fatalities annually; falls from height, electrocution, and collapsing structures lead hazards

Equipment Breakdown & Theft

Heavy machinery breakdowns and ₹1,000+ cr in equipment theft yearly threaten project timelines

Third-Party Injury Claims

Stray debris and site operations cause frequent third-party injuries and legal claims

Project Delays & Cost Overruns

Supply-chain disruptions and monsoon halts extend project timelines, inflating budgets by 10–15%

Environmental & Pollution Liability

Hazardous spills and dust emission fines can reach ₹2 cr per incident under environmental laws

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Contractors’ All Risk Insurance

Core cover for works, materials & liabilities

Erection All Risk Insurance

Essential for plant/machinery installation risks

Contractors’ Plant & Machinery Insurance

Protects heavy equipment on site

Workers’ Compensation

Mandatory crew protection for injuries

Third-Party Liability Insurance

Shields against legal claims

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How CoverBizz Fortifies Your Construction Business

Most Bought Insurance

Professionals Covered

Contractors & Subcontractors

Project & equipment protection

Site Managers & Engineers

Liability and D&O cover

Workers & Laborers

Injury and occupational disease protection

Plant Operators

Machinery breakdown coverage

Environmental Officers

Pollution liability and cleanup support

Customers & Third Parties

Public liability coverage

Inclusions & Exclusions

Inclusions

Physical loss or damage to works, materials, and temporary structures

Third-party bodily injury and property damage liability

Mechanical/electrical breakdown during erection and testing

Equipment theft and accidental damage on site

Delay in start-up financial losses due to insured perils

Exclusions

Wear & tear, gradual deterioration, and corrosion of equipment

Faulty workmanship, design errors, and material defects

War, nuclear risks, and terrorism-related losses

Pollution from long-term gradual emissions (except sudden events)

Liquidated damages or contractual fines unless endorsed

Insights & Resources

Guide

Construction Risk Mitigation Playbook 2025

Best practices for site safety and compliance.

Blog

Top 5 CAR Policy Myths Busted

Avoid coverage misunderstandings.

Report

India Construction Insurance Index

Analysis of coverage gaps in the ₹12 L cr sector.

Why Get Insured

Why Construction & Contractors Need Robust Insurance

Crane Collapse Recovery

Mumbai bridge project covered ₹5 cr in equipment damage and third-party claims under CAM policy.

Site Accident Liability

Bengaluru developer defended ₹1.2 cr lawsuit from local resident injury under third-party cover.

Monsoon Delay Mitigation

Chennai high-rise contractor recouped ₹3 cr in extra financing costs via DSU coverage.

Environmental Spill Responsen

₹1.5 cr cleanup funded under pollution liability when chemical leak occurred at industrial site.

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Insurance Partners

We’re Partners With 20+ Major Insurance Companies

Magma HDI General Insurance Company Limited

Royal Sundaram General Insurance Company Limited

ICICI Prudential Life Insurance Company Limited

HDFC ERGO General Insurance Company Limited

Reliance General Insurance Company Limited

ICICI LOMBARD General Insurance Company Limited

Shriram General Insurance Company Limited

Future Generali India Insurance Company Limited

Aviva Life Insurance Company India Limited

Pramerica Life Insurance Company Limited

Aditya Birla SunLife Insurance Company Limited

Kotak Mahindra Life Insurance Company Limited

Tata AIG General Insurance Company Limited

FAQ's

What does a CAR policy cover that standard site insurance doesn’t?

CAR covers works, materials, temporary structures, and third-party liabilities throughout construction phases, beyond basic property insurance.

Is Erection All Risk insurance separate from CAR?

Yes- EAR focuses on machinery and plant during transit, installation, testing, and commissioning, while CAR covers civil works.

Are rented cranes and generators covered under CPM insurance?

Yes- Contractors’ Plant & Machinery policies include rented and owned equipment up to specified limits.

Does Workers’ Compensation cover occupational diseases?

Yes- covers injuries and specified diseases arising from site activities under Indian workmen’s compensation laws.

Will my policy cover monsoon-related delays?

Delay in Start-Up insurance compensates for financial losses when insured perils like floods delay project completion.

Customers Says..

“A basement excavation hit an unexpected water table and the site work paused. CoverBizz helped us extend the CAR policy and align it with the revised timeline - no coverage anxiety.”

Kunal Verma Noida (NCR)

“A site incident triggered a WC claim. Their team guided our HR on the exact documents and coordinated with the insurer/surveyor till closure.”

Sanjay Yadav Delhi

“Our earlier policy had gaps on third-party liability and project extensions. CoverBizz did a risk check and corrected the wording before renewal.”

Neha Jain Gurugram (NCR)

Construction projects are complex and full of unknowns.
Don’t let accidents, breakdowns, or environmental mishaps slow you down. Build with confidence - secure specialized insurance that works as hard as you do.

CoverBizz

Construction & Contractors Industry

Build Boldly: Insurance for India’s Construction & Contractors

Construction & Contractors Industry

Insurance Products

Contractors’ All Risk (CAR) Insurance

Erection All Risk (EAR) Insurance

Contractors’ Plant & Machinery (CPM) Insurance

Third-Party Liability Insurance

Workers’ Compensation Insurance

Pollution & Environmental Liability

Trusted By 1500+ Enterprises

What Keeps Contractors Up at Night

Top 5 Current Risks

Falls & Site Accidents

Equipment Breakdown & Theft

Third-Party Injury Claims

Project Delays & Cost Overruns

Environmental & Pollution Liability

Contractors’ All Risk Insurance

Erection All Risk Insurance

Contractors’ Plant & Machinery Insurance

Workers’ Compensation

Third-Party Liability Insurance

How CoverBizz Fortifies Your Construction Business

Most Bought Insurance

Professionals Covered

Contractors & Subcontractors

Site Managers & Engineers

Workers & Laborers

Plant Operators

Environmental Officers

Customers & Third Parties

Inclusions & Exclusions

Inclusions

Physical loss or damage to works, materials, and temporary structures

Third-party bodily injury and property damage liability

Mechanical/electrical breakdown during erection and testing

Equipment theft and accidental damage on site

Delay in start-up financial losses due to insured perils

Exclusions

Wear & tear, gradual deterioration, and corrosion of equipment

Faulty workmanship, design errors, and material defects

War, nuclear risks, and terrorism-related losses

Pollution from long-term gradual emissions (except sudden events)

Liquidated damages or contractual fines unless endorsed

Insights & Resources

Guide

Construction Risk Mitigation Playbook 2025

Blog

Top 5 CAR Policy Myths Busted

Report

India Construction Insurance Index

Why Get Insured

Why Construction & Contractors Need Robust Insurance

Crane Collapse Recovery

Site Accident Liability

Monsoon Delay Mitigation

Environmental Spill Responsen

Insurance Partners

FAQ's

Customers Says..​

Kunal Verma Noida (NCR)

Sanjay Yadav Delhi

Neha Jain Gurugram (NCR)

Construction projects are complex and full of unknowns. Don’t let accidents, breakdowns, or environmental mishaps slow you down. Build with confidence - secure specialized insurance that works as hard as you do.

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Customers Says..

Construction projects are complex and full of unknowns.
Don’t let accidents, breakdowns, or environmental mishaps slow you down. Build with confidence - secure specialized insurance that works as hard as you do.