Get the Best Contractors All Risk Insurance

What is "Contractors All Risk Insurance"

Contractors All Risk Insurance (CAR Insurance) is a comprehensive insurance policy designed to protect contractors, builders, and construction companies against damage or loss that occurs during construction projects. It covers both property damage and third-party liability, making it essential for anyone involved in construction work.

Why Every Site Needs Contractors All Risk Insurance

Construction sites combine heavy machinery, complex designs, and tight deadlines—factors that increase the likelihood of costly mishaps. Authorities often require a valid CAR policy to issue building permits, and main contractors normally insist subcontractors carry their own cover. Without insurance, you risk paying out of pocket for material damage, expensive delays, and legal liability if someone is injured near your works. A well-structured CAR policy keeps projects on schedule and balance sheets healthy.

Make sure your construction projects are protected from unexpected damage, accidents, and third-party claims by securing a Contractors All Risk Insurance policy

Construction Damage & Financial Loss

Covers loss or damage to the construction project, materials, equipment, and machinery Contractors All Risk Insurance protects your project from unexpected events such as fire, theft, natural disasters, structural collapse, or accidental damage during construction.

Third-Party Injury & Property Damage

Covers legal liability arising from injury or damage caused to third parties If a member of the public or neighboring property is harmed due to construction activities, this insurance provides coverage for claims and legal responsibility.

Compensation for Accidental Losses

Handles compensation or repair costs related to insured incidents It covers the expenses required to replace damaged materials, repair construction works, or compensate affected third parties due to unforeseen site accidents.

Legal Expenses & Claim Defense

Covers legal costs related to defending liability claims This insurance includes legal fees required to defend your business against claims, protecting your finances from expensive lawsuits and disputes.

Who needs Contractors All Risk Insurance ?

Contractors, Subcontractors & Construction Companies Includes main contractors, subcontractors, builders, renovation specialists, engineering firms, project management companies, and businesses working on construction, infrastructure, or installation projects.

Property Developers, Owners & Investors Covers real estate developers, project owners, investors, and organizations commissioning construction projects who need protection against damage, delays, and financial loss on-site.

Equipment, Tools & Machinery Operators Applies to businesses and professionals who own or operate construction equipment, tools, machinery, or cranes and require coverage for accidental damage, theft, or loss during project execution.

Choose Insurancehub.ae for Contractors All Risk Insurance, we take care of

Complex paper works & Compliance

Hassle Free Claim Insurance

Getting the best Insurance Plans

Core Coverages in a CAR Policy

Material Damage: Protects the contract works, materials, and temporary structures against fire, explosion, flood, windstorm, theft, and accidental damage.

Third-Party Liability: Covers bodily injury or property damage to people outside your workforce up to agreed limits.

Principal’s Surrounding Property: Safeguards existing buildings that might be affected by your operations.
Debris Removal and Professional Fees: Pays for cleanup and re-design costs following an insured event.

Maintenance Period Extension: Continues protection during the hand-over period when latent defects can surface.

Why Choose InsuranceHub.ae for CAR Cover?

Compare premiums, deductibles, and exclusions from multiple Central Bank-approved insurers in a single view.

Customise the sum insured to match the full contract value, including materials supplied by the employer.

Secure cover for subcontractors and specialist equipment without separate policies.

Access expert risk engineers who advise on site safety and loss-prevention, reducing future claims.

Enjoy premium savings of up to 30 % through our bulk-negotiated rates.

Three Simple Steps to Buy Online

Visit Contractors All Risk Insurance and enter project details—location, value, duration, and contractor parties.

Instantly review tailored quotations, policy schedules, and insurer ratings.

Choose your preferred option, upload contract documents, and pay securely. Your certificate of insurance is delivered electronically, ready for submission to authorities.

Stay on Schedule, Stay Protected

Unexpected events do not need to derail your timeline or profitability. With InsuranceHub’s Contractors All Risk Insurance solutions, your site and reputation remain safeguarded from groundbreaking to final hand-over.

Conclusion

Do not break ground without adequate protection. Get an online quote for Contractors All Risk Insurance today and build with confidence.

Contractors All Risk Insurance is essential for protecting your construction projects and business.

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FAQs About Contractors Risk Insurance

What is Contractors All Risk Insurance?

Contractors All Risk (CAR) Insurance provides comprehensive coverage for construction projects, protecting against damage to property, plant, and materials, as well as third-party liabilities during construction.

Who should buy Contractors All Risk Insurance in Dubai?

This policy is ideal for contractors, builders, engineers, and project owners involved in construction, renovation, or civil works. It ensures financial protection against on-site accidents and damages.

What does Contractors All Risk Insurance cover?

It typically covers physical loss or damage to the contract works, construction equipment, and machinery. It also includes third-party liability for accidental injury or property damage.

What is not covered under Contractors All Risk Insurance?

Common exclusions include normal wear and tear, faulty design, contractual penalties, and losses due to war or nuclear risks. Always review your policy wording for specific exclusions.

Is Contractors All Risk Insurance mandatory in the UAE?

While not legally mandatory, many clients and project owners require it as part of contract agreements to ensure financial protection for all parties involved in a project.

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