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Industry Practice · Construction & property

Construction & Infrastructure

Project insurance for contractors and developers, CAR, EAR, equipment, worker compensation and contractual liability across the project lifecycle.

Project works damageWorker injury & fatalityThird-party injury & property damage
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The sector

The riskiest period of any built asset is the period it is being built.

Construction insurance is project-specific by definition: each site has its own scope, duration, contractor structure and risk profile. CAR/EAR policies need to be aligned with the actual contract, not bought as generic forms. The same applies to worker compensation, contractual liability and the equipment floater that follows the contractor between projects.

Risk profile

Where the exposure lives.

On a live site the works, the plant, the workforce and the surrounding property are all exposed at once. These four first.

01
Project works damage
Fire, collapse, storm and theft on active sites, covered by CAR/EAR but only if the policy aligns with the project's contract structure.
02
Worker injury & fatality
Falls from height, vehicle movement and excavation collapse, construction is the highest-EC-frequency Indian sector.
03
Third-party injury & property damage
Adjacent property damage from excavation, hoarding collapse or material fall, typically the contractor's liability under the BOQ.
04
Project delay & contractual penalty
Delayed completion exposes the contractor to liquidated damages or termination, addressed via Delay-in-Start-Up cover.
Recommended cover

The programme we typically place.

Each cover below is a link to the policy page. The combination, the limits and the wording are what we negotiate on your behalf.

01
Contractor's All Risk
CAR/EAR cover sized to the contract value, scope and duration with the right perils set.
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02
Workmen Compensation
EC Act cover for site workers including sub-contractor employees on principal-employer basis.
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03
Public Liability
Project public liability with cross-liability and adjacent-property damage extensions.
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04
Plant & Machinery
Equipment floater for cranes, excavators, concrete pumps and other yellow-goods on site.
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05
Marine Insurance
Marine cover for plant-and-equipment movements and construction material shipments to site.
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Claim reality

What a claim tends to look like here.

A defining claim is damage to the works during construction, from flood, fire, collapse or theft of materials, often alongside injury to a worker or damage to an adjacent property. The claim can involve the contractor, the owner and sub-contractors at once.

Questions

Questions we get in this sector.

Either can place it, and CAR is designed to cover all parties' insurable interest in the works. We confirm who buys it in the contract so there is no gap, and ensure sub-contractors are named.
Damage to existing or surrounding structures is covered only if a specific extension is added; the base CAR policy covers the works themselves. We add this extension whenever the site adjoins occupied buildings.
Only by extension. Surrounding property belonging to the principal is not part of the contract works and is one of the most commonly omitted extensions on a site adjoining a working facility.
Whatever the contract requires, which is usually joint names with the principal and sometimes a waiver of subrogation. This is stated in the tender, and placing cover without reading it is how a technically sound policy fails to satisfy the contract.
Only if a maintenance period is taken and it matches the defects liability period in the contract. A policy ending at handover while the contract runs another year leaves the contractor exposed for that year.

Need a sector-specific risk review?

Speak with an advisor who has arranged cover for construction before.

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