Build Fearlessly, We'll Handle the Rest!
Comprehensive contractors all risk insurance for India’s construction projects. Get protection for structures, materials, and liabilities with coverage that understands construction is beautifully chaotic.
From First Brick to Final Handover—We've Got You Covered!
- India's top project insurers, site-tested protection
- Complete Coverage, Foundation to Finish
- CAR Insurance Made Simple, Expert Project Shield
- Every Phase Protected, Every Risk Covered
Contractors All Risk Insurance
Trusted By 1500+ Enterprises
From Startups to Stalwarts, India’s Finest Choose CoverBizz
What is Contractors All Risk Insurance
CAR Insurance: Your Construction Project’s Ultimate Guardian!
Think of CAR insurance as having a security blanket that covers everything from your first pile to final paint job! It’s comprehensive protection for construction works, materials, equipment, and even the neighbor whose wall you accidentally damaged—because construction sites are basically controlled chaos zones.
Whether you’re building a â‚ą10 crore residential complex or a â‚ą500 crore metro station, CAR insurance ensures that fires, floods, and “oops” moments don’t bankrupt your construction dreams. It’s like having a time machine that financially fixes construction disasters!
Why Is This Policy Vital for Construction Projects
Because Construction Sites Are Disaster Magnets!
Indian construction projects face â‚ą12,000 crore annual losses from accidents, weather, and design failures. Projects worth crores can collapse overnight—literally! Under many contracts, CAR insurance is mandatory. It’s the difference between “temporary setback” and “permanent project abandonment.” It’s survival insurance for building India’s infrastructure!
Who Needs Contractors All Risk Insurance?
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Principal Contractors
Main contractors need comprehensive project coverage protecting structures, materials, and third-party liabilities throughout construction.
Real Estate Developers
Property developers building residential and commercial complexes require all-risk coverage from groundbreaking to possession.
Infrastructure Companies
Highway, bridge, and metro builders need specialized CAR coverage for large-scale civil engineering projects.
Sub-Contractors
Specialist contractors working under main contractors require coverage for their scope of work and equipment.
Project Financiers & Banks
Financial institutions funding construction need coverage protecting their investment throughout project duration.
Government Contractors
Public sector project contractors require CAR insurance for tenders and contract compliance.
Types / Add-ons Commonly Offered
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Material Damage Section
Works, materials, temporary structures coverage
Third-Party Liability
Property damage and bodily injury coverage
Maintenance Period Cover
Extended coverage post-completion (typically 12 months)
Removal of Debris
Cleanup and disposal costs coverage
Professional Fees
Architect and engineer fee coverage
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Plant & Equipment
On-site construction machinery coverage
What Contractors All Risk Insurance Covers
Fire & Explosion
Flood & Storm
Earthquake & Landslide
Collapse & Subsidence
Theft & Burglary
Riot & Strike
Third-Party Liability
Material Damage
Design Errors
Workmanship Issues
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Testing & Commissioning
Maintenance Period
Inclusions & Exclusions
Inclusions
Works Under Construction
All permanent and temporary works including materials on-site and in transit
Construction Plant & Equipment
On-site machinery and equipment up to specified limits (typically â‚ą25 lakh or 5% of sum insured)
Third-Party Liability
Legal liability for property damage and bodily injury to third parties (excluding workers)
Architects & Engineers Fees
Professional fees for redesign and supervision up to 5% of claim amount
Debris Removal
Clearing and disposal costs for damaged materials up to 5% of claim amount
Exclusions
Design Defects
Faulty design, defective materials, and poor workmanship costs (only resultant damage covered)
War & Terrorism
Political risks, war, invasion, and terrorist acts typically excluded
Workers' Compensation
Employee injuries require separate workmen's compensation insurance
Contractual Penalties
Liquidated damages and penalty clauses for project delays excluded
Consequential Losses
Loss of profit, interest charges, and indirect damages beyond policy scope
Insurance Partners
We’re Partners With 20+ Major Insurance Companies
FAQ's
Design defects themselves aren't covered, but resulting physical damage is! Bad blueprint = your cost, collapse from bad design = covered!
No! Maintenance period (typically 12 months post-completion) needs specific inclusion. Handover ≠coverage end!
No! Workers need separate workmen's compensation. Third-party = public, not payroll!
 Each project needs separate CAR coverage. One policy = one project = clear claims!
Before construction starts! Coverage begins from first activity on site. Start building = start coverage!
Third-party liability covers utility damage claims. Your underground work = material damage section!
Customers Says..​
Mr. Suresh Kumar (Project Director, Kumar Infrastructure Ltd.)
Ms. Anita Desai (Director, Desai Realty, Pune)
