Comprehensive protection for construction projects, from the first day on site through to project completion and handover.
Contractors All Risks Insurance
Every construction project carries unique risks, from damage to works in progress to third-party injury or delay. Sovereign Insurance Services works closely with specialist insurers to provide Contractors All Risks (CAR) Insurance and complementary products, including Performance Bonds and Bid Bonds, ensuring your project is protected at every stage.
From Groundbreaking to Completion
Cover for physical damage to works, materials, and equipment during construction.
Protection for All Stakeholders
Comprehensive policies designed for contractors, developers, project owners, and financiers.
Specialist Expertise
Benefit from our experience across projects of every scale, from private developments to major infrastructure builds.
What Contractors All Risks Insurance Covers
A CAR policy combines multiple forms of protection under one contract, safeguarding both your work and your liability:
Contract Works
Covers damage to buildings and materials during construction from fire, flood, theft, vandalism, and other insured events.
Plant, Machinery & Tools
Protection for owned and hired-in construction equipment used on site.
Third-Party Liability
Covers injury or property damage claims made against contractors or project owners.
Professional Fees & Debris Removal
Includes costs for architects, engineers, and site clearance following an insured loss.
Employer’s Liability
Can be extended to protect against employee injury claims on site.
Natural Catastrophes
Optional cover for earthquakes, storms, or floods affecting construction works.
Frequently Asked Questions
What types of construction projects can CAR cover?
Contractors All Risks (CAR) insurance can protect projects of all sizes and complexity — from private home builds and residential or commercial developments to major infrastructure projects such as bridges, tunnels, energy facilities, and shipbuilding.
Does CAR cover property management companies?
Yes – CAR policies can be tailored to protect property management firms, including portfolio and block insurance for apartment buildings and large residential developments.
What are Performance Bonds and Bid Bonds?
Performance Bonds guarantee that contractors will complete a project according to contract terms, while Bid Bonds demonstrate financial credibility when tendering for work. Sovereign Insurance Services can arrange these alongside your CAR insurance to give clients, financiers, and regulators peace of mind.
Your Dedicated Broker
