Our Contractors' All Risks Insurance / Contract Works Insurance policy can provide broad coverage for construction, buildings and civil engineering projects.
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Contractors' All Risks Insurance/ Contract Works Insurance

Comprehensive cover for any damage that occurs during commercial and residential construction projects; available on a single risk or annual basis.

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    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 (also referred to as Contract Works Insurance and 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/Contract Works Insurance policy 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

    Our Contractors' All Risks Insurance/Contract Works Insurance policy can be extended to include advance loss of profits, owned contractors' plant and hired-in plant.

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    Delegated Authority/Reinsurance Solutions

    Delegated authority/reinsurance solutions

    We can also 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 Partnerships Team.

    Why buy Contractors' All Risks Insurance/
    Contract Works Insurance from HSB?

    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
    HSB is committed to providing a superior customer experience through our specialist claims service
    HSB Claims Team

    Claims Examples

    HSB Construction Insurance in action

    A large stone fell onto the roof of an excavator cab in a quarry, causing extensive damage to the machine and rendering it uneconomical to be repaired.
    A construction company's six year-old dumper truck was stolen from a new-build housing development site.
    An electrically-originated fire caused damage to a bulldozer. Forensic examination showed the source of fire emanated from the engine compartment. We worked with our customer to identify a suitable fire suppression system to mitigate any future fire damage should the situation ever reoccur.

    Product Documentation

    Product Spotlight: HSB Machinery Inherent Defects Insurance

    Available for periods of up to 12 years, HSB Machinery Inherent Defects Insurance 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.

    Why choose HSB?

    • Leading specialist provider of engineering and technology insurance and inspection services in the UK and Ireland
    • 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

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