Construction Insurance
© Getty Images/Richard Newstead

Contractors' All Risks Insurance


Broker/agent trading options

Delegated authority/reinsurance solutions

Contract works for construction, buildings and civil engineering projects can be complex in nature.

Our response

Our Contractors' All Risks insurance policy (sometimes referred to as Contract Works Insurance and also CAR Insurance) provides comprehensive 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.

Our Contractors' All Risks insurance policy provides cover for:
  • materials; from the commencement of loading for despatch to site (including transit and incidental storage)
  • contract works 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
Our CAR policy can be extended to include advance loss of profits, owned contractors' plant and hired-in plant.

Why buy HSB Construction Insurance?

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

Product Brochures

We can provide our partners with innovative, all-encompassing construction solutions. If you’re looking to provide specialist cover as part of your commercial proposition, contact our team.

Product Spotlight: HSB Machinery Inherent Defects Insurance

Available for periods of up to 12 years, our product provides comprehensive cover for the mechanical and electrical services installed in new buildings undergoing construction, 'shell and core' building refurbishments, and completed buildings less than two years old.

HSB: UK construction trends

John Nicholls, Construction Product Lead - HSB
John Nicholls
Construction Product Lead - HSB
© Getty Images
Presentation (live recording)
Construction trends: The top five influences that are impacting the construction market
Short summary

Why choose HSB?

  • Leading specialist provider of engineering and technology insurance and inspection services in the UK and Ireland
  • Winner of the 2021 British Insurance Awards 'Specialist Insurance Company of the Year' award
  • 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
  • Financially strong and stable – rated A++ (Superior) by A.M. Best Company
  • A member of the Institute of Customer Service, demonstrating our commitment to continually improving customer service performance and professionalism

Contact Us

For more information, speak to your insurance broker, your usual HSB contact or local HSB office, or contact our dedicated E-Trade Team in relation to our online trading solutions.

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