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Contractor All Risk
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Construction

What is Contractor’s All Risk Policy?

During the course of execution of project relating to construction of building and civil engineering works, certain unforeseen accidents could occur resulting in considerable financial loss to the contract works, construction / or the principals arising from damage to the contract works, construction of plant and machinery as well as Third Party Claims. The Contractors All Risks (CAR) Insurance has been designed to protect the interests of the Contractors /Principal against such losses.

Why eSanad?

One of the leading General Insurance Company with following strengths:

One point contact for all requirements

One point contact for all requirements

Better understanding of risk, effective underwriting of portfolio and better risk management

Better understanding of risk, effective underwriting of portfolio and better risk management

Dedicated Risk engineers to cater construction sector clients

Dedicated Risk engineers to cater construction sector clients

Financial strength and supreme claims paying capacity

Financial strength and supreme claims paying capacity

Why Do You Need It?

Contractors All Risk is a comprehensive insurance cover to the client for any contingency from the moment the material is unloaded at the site of the project and continues during storage, physical construction/erection and till the test run is over and during maintenance, if covered.

Construction

eSanad Contractor’s All Risk Articles

How to secure your construction projects with contractors all risk insurance?

10 Fab 2025

Contractors All Risk (CAR) insurance provides essential protection for construction and infrastructure projects against material theft and accidental damage. Contractors, builders, and developers face risks such as theft, weather-related damage, and machinery accidents. CAR insurance offers comprehensive coverage, ensuring projects stay on track financially despite unforeseen incidents, safeguarding investments and providing peace of mind.

Benefits of Contractors' All-Risk Insurance Policy

18 Jul 2025

According to the Construction Industry Development Council, around 32 million people are involved in the booming and thriving construction sector in India, which is worth Rs 2,48,000 crores. However, managing projects comes with inherent risks, from third-party liability lawsuits to unforeseen events and material damage due to natural disasters. These events are stressful, delay projects, and cost a significant part of your budget.

What is Contractor’s All Risk Insurance?

20 Apr 2022

During the tenure of execution of civil engineering projects, including the construction of residential and non-residential properties, like bridges, hospitals, schools, etc. unforeseen accidents may arise, which could result in disastrous financial loss to the construction company and other parties involved. Apart from the property damage due to inferior construction or materials, an injury may be caused to a third party, resulting in claims or lawsuits.

What is covered by eSanad Contractor’s All Risk Policy?

Below are the detailed inclusions and exclusions of Contractor’s All Risk Policy

Inclusions
Covered

Location Risks: Fire, Lighting, Theft, Burglary & Housebreaking

Covered

Testing and Commissioning Risks*: Failure of Safety Devices, Leakage of Electricity, Insulation failure, Short circuit, explosion

Covered

Act of God: Storm, Tempest, Hurricane, Flood, Inundation, Subsidence, Landslide, Rockslide, earthquake.

Covered

Handling Risks: Impact from falling objects, Collision, Failure of Cranes or Tackles etc.

Covered

Risk of Human Element: Carelessness, Negligence, Faults in Erection/Construction, Strike & Riot, Malicious damage, Terrorism

Covered

Testing Perils: Maximum value at risk. A specific request to be made to UW

Exclusions
Not Covered

War & Allied Perils

Not Covered

Wilful act or wilful negligence of Insured/ his representatives.

Not Covered

Excess in respect of each claim as stated in the policy

Not Covered

Normal wear and tear, gradual deterioration, lack of use, obsolescence, rust, etc.

Not Covered

Any damages/ penalties on account of the Insured of the terms of delivery/ completion under his contract of construction.

Not Covered

Nuclear & Allied Perils.

Not Covered

Cessation of work

Not Covered

Losses discovered only at the time of taking an inventory

Not Covered

Loss/ damage due to faulty design, defective material or casting other than faults in erection.

Not Covered

Consequential loss/ liability of any kind.

Why Choose eSanad?

Your CPM policy premium depends on

At eSanad, we don’t just sell insurance. We protect your ability to build.

We know every construction site holds jobs, futures, reputations — and dreams. When equipment fails, it’s not just a repair it’s a ripple effect. That’s why we act fast, support fully, and ensure you’re back up and running with minimal disruption.

You deserve more than paperwork. You deserve a partner that understands your pressure and protects your progress.

Construction
Frequently Asked Questions
A1: Your motor insurance premium depends on various factors like your car's age, make, model, etc. You can easily estimate your premium using eSanad's online calculators. For specific quotes, contact us directly at eSanad Contact.
A: In the UAE, third-party liability insurance is mandatory for all drivers. It covers damages or injuries you might cause to others.
A: Auto insurance provides financial protection against vehicle damage or bodily injuries from accidents and losses due to theft or natural disasters. It's essential for legal compliance and personal protection in the UAE.
A: A 'No Claims Discount' rewards you with reduced premiums for not making any insurance claims over a period. The longer you remain claim-free, the greater the discount on your premium.
A: Check your car insurance status through eSanad's online portal.
A: To find affordable car insurance, compare quotes tailored to your budget. Visit eSanad's Quote Comparison to easily find and compare policies that meet your financial needs.
A: The cost of car insurance varies based on factors like car make, model, and driver's history. Third-party insurance generally offers lower premiums. Compare options on our eSanad Contact.
A: For affordable car insurance, you'll need details like car model, value, and driver's history.
A: The cheapest insurance depends on your chosen policy and factors like the driver's age and car model. For a tailored quote, explore eSanad's Insurance Options.
A: Excess, also known as deductible, is the amount you pay towards repair costs in an at-fault accident. Your policy predefines this amount. Learn more about policy terms at eSanad Insurance Terms.
A: Your policy number is on your insurance documents and online account. For assistance, contact eSanad Customer Service.
A: 'Own damage' covers loss or damage to your vehicle, regardless of fault. It's part of comprehensive policies.
A: Yes, you can add coverages like roadside assistance to your policy.
A: Dubai offers Third Party Liability and Comprehensive Cover.
A: Penalties include fines, vehicle impoundment, and legal actions. Always maintain valid insurance.
A: Insurance policies are specific to the car, not the owner. When transferring ownership, the new owner needs a new policy.
A: Required documents include Emirates ID, driving license, vehicle registration card, and previous insurance details.
A: Most policies cover rental cars, often as an add-on.
A: Your choice should align with your risk tolerance and car value.

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Success Insurance Services L.L.C. (eSanad): Licensed insurance broker in the UAE, regulated by the Central Bank of the UAE (CBAE), Registration No. 273.

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Authorized by the Department of Health – Abu Dhabi (DOH) , Certificate No. 80.

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