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Contractors All Risk

What is "Contractors All Risks insurance"?

Contractors All Risks, also referred to as CAR insurance, is an insurance policy that provides risk cover for both damage to a property and a third-party injury or damage claims.

Construction projects typically involve two primary types of risk:

  • Damage to property which could include the structure not being properly constructed, or receiving damage during an alteration.
  • Third-parties, including subcontractors, may become injured while working at the construction site. CAR insurance bridges these two risks into a common policy, and helps cover the breach between exclusions that would otherwise exist when using separate policies.

These types of insurance policies are considered non-standard risk policies and are highly specialized in the issuing of a CAR policy. Please consult one of our expert advisots at Ascot & Fitch for further details.

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