Construction & Engineering Insurance

🏗️ Engineering & Construction Risks

Contractors’ All Risks (CAR) & Erection All Risks (EAR)

These policies provide essential protection for civil engineering, building, and installation projects, covering the high-value assets and liabilities associated with technical works.

• Contractors’ All Risks (CAR)

Covers civil engineering projects and building construction against sudden, physical loss or damage to contract works, materials, and onsite tools.

• Erection All Risks (EAR)

Specialized for the installation of machinery, electrical plants, and steel structures, including protection during the critical testing and commissioning phases.

*Third-Party Liability: Both CAR and EAR include indemnity for legal liability regarding third-party bodily injury or property damage resulting directly from site activities.

⚖️ Operational Liability Solutions

Public Liability (PL) vs. Comprehensive General Liability (CGL)

While Public Liability covers standard accidental risks, CGL offers a broader, customizable framework suited for high-stakes industries like Oil & Gas, IT, and Power Generation.

• Public Liability (PL): Protects against legal liability for third-party injury or property damage, including the coverage of legal defense costs.

• Comprehensive General Liability (CGL): An enterprise-level solution that extends beyond standard PL with specialized triggers:

  • Contractual & Cross Liability: Coverage for multi-party agreements.

  • Sudden & Accidental Pollution: 72-hour window coverage.

  • Completed Operations: Protection for risks remaining after project handover.

  • Care, Custody, and Control (CCC): Coverage for principal’s property under your supervision.

🎓 Professional Indemnity & Errors and Omissions

Protects specialized firms and consultants against financial claims resulting from professional negligence, errors, or omissions.

• Professional Indemnity (PI): Standard annual coverage for accountants, architects, and engineers to mitigate the cost of legal defense and financial settlements arising from advice or design errors.

• Single Project PI (SPPI): A project-specific policy that matches the entire lifespan of a construction or engineering contract.

Strategic Benefit: Unlike annual policies, SPPI ensures dedicated limits for a specific project, protecting consultants and contractors from design-related claims even years after completion.

👷 Employer Liability & Statutory Compliance

Ensure your business meets legal mandates while protecting your balance sheet from employee-related litigation.

• Workmen’s Compensation

Statutory Compliance: Fulfills legal obligations to provide compensation for employees injured in the course of employment, regardless of fault.

• Employer’s Liability

Common Law Protection: Protects the employer against lawsuits alleging negligence that resulted in employee injury, illness, or death.

📞 Speak to Us to Find Out More

Navigating complex project risks requires expert guidance. Contact us for a tailored risk assessment and a quote that aligns with your specific project requirements.