Contractors' All Risks Insurance/Contract Works Insurance
Brokers and Agents
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Contract works for construction, buildings, and civil engineering projects can be complex in nature
What is contractors' all risks insurance/contract works insurance?
Contractors' all risks insurance (also known as contract works insurance) can provide comprehensive cover for any damage that occurs during commercial, residential, and civil engineering construction projects.
Available on a single risk or annual basis, HSB Contractors' All Risks Insurance can be arranged in the name of the contractor, the principal, or joint names depending on the project requirement.
HSB Contractors' All Risks Insurance provides cover for:
- materials; from the commencement of loading for despatch to site (including transit and incidental storage)
- contract works insurance cover during the construction period (including automatic continuation of cover for ongoing contracts that increase in contract price; up to 125% of the sum insured)
- maintenance and defective design
- free issue materials where these are included in the declared values
- residential/private dwelling houses and commercial buildings during the construction period, once completed and also pending sale
What is our contractors' all risks insurance/contract works insurance underwriting appetite?
Contractors' All Risks - Annual
In appetite
- Building fit out in isolation
- Buildings - extension to an existing building
- Buildings - concrete/steel framed
- Buildings - factories and warehouses (ex composite panels) - Residential | commercial | retail | educational
- Buildings – modular or modern methods of construction (non-combustible materials)
- Cladding - non timber
- Electrical contractors/other wiring installation contractors
- Finish carpentry contractors
- Flooring contractors
- Glass and glazing contractors
- Groundworkers
- Insulating contractors
- Painting and wall covering contractors
- Plastering
- Private dwelling houses (except timber frame)
- Road surfacing
- Shop-fitting contractors
- Tile and terrazzo contractors
- Roofing contractors
- Silo bunkers/hoppers1
- Structural steelwork
- Water treatment/sewage works
Territorial limits
UK, Republic of Ireland, Isle of Man, and the Channel Islands.
1. Low contract valueFringe appetite
- Buildings: Factories and warehouses (composite panels included)
- Buildings: Large timber frame
- Buildings: Modular or modern methods of construction (combustible materials)
- Canal construction
- Cladding: Timber
- Land reclamation
- Masts chimneys or towers (erection of)
- Pipelines on land: Sewage/water (excluding yield testing)
- Pipelines on land: Cross country (excluding yield testing)
- Piling, underpinning, or foundations
- Silo bunkers/hoppers (concrete)
- Silo bunkers/hoppers (steel)
- Tanks, silos, storage vessels, etc: Concrete or steel other than welded plate
- Tunnels (open cut)
- Turbines (inc. Turbo generator sets) installation
- Weirs, intake structures, outfalls construction
Territorial limits
UK, Republic of Ireland, Isle of Man, and the Channel Islands.
Outside appetite
- Airport runways/aprons, excluding tunnels, bridges, land reclamation, and work adjacent to water
- Bridges
- Coastal and offshore works
- Dams/reservoirs (all types)
- Flood control barrier construction
- Pipelines underwater
- Power station construction
- Railways construction under
- Road construction excluding tunnels and bridges
- Tanks, silos, storage vessels etc: Welded plate
- Tunnels: Bored (underwater)
- Tunnels: Immersed tube
- Tunnels and shafts: Bored (dry)
Contractors' All Risks - Project
In appetite
- Building fit out in isolation
- Buildings - extension to an existing building
- Buildings - concrete/steel framed
- Buildings - factories and warehouses (ex composite panels) - Residential | commercial | retail | educational
- Buildings – modular or modern methods of construction (non-combustible materials)
- Cladding - non timber
- Electrical contractors/other wiring installation contractors
- Finish carpentry contractors
- Flooring contractors
- Glass and glazing contractors
- Groundworkers
- Insulating contractors
- Painting and wall covering contractors
- Plastering
- Private dwelling houses (except timber frame)
- Private dwelling houses (timber frame)
- Road surfacing
- Shop-fitting contractors
- Tile and terrazzo contractors
- Roofing contractors
- Silo bunkers/hoppers1
- Structural steelwork
- Water treatment/sewage works
Territorial limits
UK, Republic of Ireland, Isle of Man, and the Channel Islands.
1. Low contract valueFringe appetite
- Buildings: Factories and warehouses (composite panels included)
- Buildings: Large timber frame
- Buildings: Modular or modern methods of construction (combustible materials)
- Canal construction
- Cladding: Timber
- Land reclamation
- Masts chimneys or towers (erection of)
- Pipelines on land: Sewage/water (excluding yield testing)
- Pipelines on land: Cross country (excluding yield testing)
- Piling, underpinning, or foundations
- Silo bunkers/hoppers (concrete)
- Silo bunkers/hoppers (steel)
- Tanks, silos, storage vessels, etc: Concrete or steel other than welded plate
- Tunnels (open cut)
- Turbines (inc. Turbo generator sets) installation
- Weirs, intake structures, outfalls construction
Territorial limits
UK, Republic of Ireland, Isle of Man, and the Channel Islands.
Outside appetite
- Airport runways/aprons, excluding tunnels, bridges, land reclamation, and work adjacent to water
- Bridges
- Coastal and offshore works
- Dams/reservoirs (all types)
- Flood control barrier construction
- Pipelines underwater
- Power station construction
- Railways construction under
- Road construction excluding tunnels and bridges
- Tanks, silos, storage vessels etc: Welded plate
- Tunnels: Bored (underwater)
- Tunnels: Immersed tube
- Tunnels and shafts: Bored (dry)
Why consider Contractors' All Risks Insurance/
Contract Works Insurance from HSB?
As a leading specialist provider of engineering and technology insurance and inspection services, our underwriters and risk engineers have extensive experience in providing construction insurance and are recognised as experts in this field. Drawing on our vast expertise in the construction sector, we are able to provide insurance products to meet the insurable risks of a specific construction project.
- Policy wordings specifically designed with contractors/sub-contractors, property builders and developers, and construction plant owners in mind
- Extensive underwriting expertise
- Specialist engineering knowledge of plant and machinery
- Cover available across the UK and Ireland
- Access to experienced in-house construction loss control risk engineers
- Access to claims handlers and loss adjusters with specialist knowledge of the construction industry
UK-based arm of
HSB Group
The equipment breakdown insurance and inspection market leader since 1866.
Part of
Munich Re
A world leader in risk solutions, consistent risk management, and financial stability.
Rated A++ (Superior) by
A.M. Best Company
Financially strong and stable.
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Customer Service
Demonstrating our commitment to continually improving customer service performance and professionalism.
Trading options
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E-trade
Access our e-trade products via our online solutions: HSB Fast Track or Acturis; fully supported by our E-Trade Team.
HSB is committed to providing a superior customer experience through our specialist claims service
HSB Construction Insurance in action
Accidental damage to an excavator
£64,000
Claim
Theft of a dumper truck
£10,001
Claim
Bulldozer damaged by fire
£64,142
Claim
Insights
Product documentation
E-trade
Policy documentation
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Frequently asked questions
What is Contractors' All Risks Insurance/Contract Works Insurance (CAR)?
Contractors' All Risks Insurance (also known as 'Contract Works Insurance' or CAR Insurance') provides cover for any damage that occurs during construction projects. Available on a single risk or annual basis, our policy can be arranged in the name of the contractor, the principal or joint names depending on the project requirement.
HSB's policy can be extended to include advance loss of profits, owned contractors' plant and hired-in plant, and employees' tools and personal effects.
What is Machinery Movement Insurance?
Machinery Movement Insurance is an element of cover for the loss and damage caused to plant and machinery during the transit and installation process across commercial, residential, and civil engineering projects; for one-off moves or on an annual basis.