Business insurance

Contractor's All Risks & Erection All Risks

Your construction projects or engineering plants and equipment make up a big part of your business expenditure but regrettably, those projects and equipment are susceptible to all sorts of accidents. We have the following different insurance covers that will indemnify you against those risks:

Contractors All Risks Policy:

The 'Contractors All Risks Policy' is a comprehensive insurance which provides complete protection for all types of civil engineering works against different types of construction risks such as fire, lightning, flood, storm, cyclone and other accidental damage.

The sum insured should be the fully completed value of the contract works, inclusive of all materials, wages, freights and customs duty, and materials or items supplied by the owner.

Erection All Risks Policy:

The 'Erection All Risks' Policy is a comprehensive insurance which provides complete protection against the different types of risks associated with the erection, testing, commissioning of machinery, plant and equipment during the construction stage.

The sum insured should be for the contract price, that is, it should not be less than the completely erected value of the property inclusive of freight, customs duty and erection cost.


Third party liability
Cross liability
Cost of removal of debris
Express freight, overtime charges / air freight
Owner's surrounding property
Extended maintenance

Length of Contract:

Coverage begins from the commencement of work or after unloading of the first consignment at the project site, whichever is earlier. It terminates on the handing over of the works to the owner or on expiry of the policy, depending on which comes first.

Erection All Risks will include a testing / commissioning period.

Both Contractors All Risks/ Erection All Risks will include a maintenance period starting from the date of handing over of the works.


Why insure with us:
Personalised service through dedicated teams
Over 65 years of experience

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