A construction site incident can:

• Damage work-in-progress or construction materials
• Delay project timelines and invite penalties
• Increase overall project cost unexpectedly
• Create third-party injury or property damage claims

Why Contractor All Risk Insurance Matters

Contractor All Risk Insurance provides comprehensive protection for construction projects — covering physical damage and third-party liabilities from commencement to completion.

At JSR Insurance Marketing LLP, we structure CAR Insurance as a project-continuity and risk-transfer solution — not merely a tender requirement.

Who Should Opt for CAR Insurance?

• Civil and construction contractors
• Infrastructure and EPC companies
• Builders and real estate developers
• Road, bridge, metro, and flyover contractors
• Industrial and commercial project contractors

If your business executes construction or erection projects, this cover is critical.

What Is Contractor All Risk Insurance?

CAR Insurance is a comprehensive project insurance policy covering sudden and accidental physical loss or damage at the construction site, along with third-party liability arising from project activities.

• Material damage to the project
• Third-party bodily injury or property damage

What Does CAR Insurance Cover?

• Damage to work-in-progress
• Construction materials at site
• Temporary structures and formwork
• Contractor’s plant & equipment (if included)
• Loss due to fire, flood, storm, collapse, or accidents

Third-Party Liability Protection

• Bodily injury or death to third parties
• Damage to third-party property
• Legal costs and claim expenses
• Liability arising from construction operations

Coverage applies from project start to handover, including the maintenance period if opted.

Projects That Can Be Covered

• Residential and commercial buildings
• Industrial plants and factories
• Roads, bridges, highways, and flyovers
• Warehouses and logistics parks
• Renovation and extension projects

Each project must be declared with correct value, duration, and scope.

Common Risks at Construction Sites

• Fire, explosion, and natural calamities
• Collapse of structures or scaffolding
• Accidental damage during construction
• Theft of materials from site
• Third-party injuries or property damage

Common CAR Insurance Mistakes

• Buying policy only to meet tender conditions
• Incorrect project value declaration
• Inadequate third-party liability limits
• No maintenance period coverage
• Poor understanding of policy exclusions

CAR vs Other Project Covers

• CAR: Civil construction projects
• EAR: Mechanical & electrical erection projects
• CPM: Contractor’s plant & machinery

How We Help at JSR Insurance

• Understand project scope, duration, and risk profile
• Structure CAR with correct sums insured
• Recommend relevant add-ons and extensions
• Coordinate with insurers and surveyors
• Support claims and long-term project reviews