Contractors All-Risk (CAR) Insurance
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What is Contractors All-Risk Insurance?
Construction is inherently risky. From a sudden flash flood to site theft or accidental damage, a single event can derail your project’s budget.
Contractors All-Risk (CAR) is a comprehensive policy designed to protect contractors, subcontractors, and employers. It covers the physical works, your materials, and your legal liability to the public—all under one roof.
Core Coverage Options
Building Construction Works
Covers the actual structure being built, including all permanent and temporary works.
- Fire, storm, flood damage
- Materials on-site & in transit
Mechanical & Electrical Works
Specialized cover for contractors installing, maintaining, or repairing machinery and plant equipment.
- Installation accidents
- Testing & commissioning damage
Public Liability
Essential protection against claims for bodily injury or property damage caused to third parties during your project.
- Legal defense costs
- Settlement awards
Why SimplyCovered for your CAR Insurance?
Most banks and funding institutions require CAR insurance before a project starts. We make it easy:
Removal of Debris
We cover the costs of clearing the site after a loss so you can start rebuilding immediately.
Professional Fees
Coverage for architects and engineers needed to assess and fix damage.
SASRIA Included
Protection against riots, strikes, and civil commotion (essential for SA sites).
Escalation Cover
We account for rising material and labor costs during the project.
What is Not Covered?
To keep our premiums competitive, standard policies typically exclude:
Defective Workmanship
Correcting your own mistakes or poor design.
Wear and Tear
Gradual deterioration or rust.
Theft without Force
Claims where there is no evidence of "forcible and violent" entry to the site.
Existing Structures
Coverage for the building you are renovating (unless specifically added).
Key Factors for Your Quote
Contract Value
The total cost of the project, including materials and labor.
The Period
From "breaking ground" to the final handover (plus maintenance periods).
Deductibles
The portion of a claim you agree to pay yourself to lower your monthly premium.
Frequently Asked Questions
Who actually needs this?
General contractors, subcontractors, and even the property owner (Principal). It’s the "safety net" for the entire site.
Can I cover all my jobs for the year?
Yes. You can choose a Once-Off Policy for a specific tender or an Annual Policy that covers every project you start during the year.
How fast is the claims process?
With SimplyCovered, we prioritize documentation and digital filing to ensure your site isn't sitting idle while waiting for a payout.