Contractors all risks insurance (CAR) is designed to protect construction projects against loss or damage during the build process. It provides comprehensive cover for contract works, materials, plant, equipment, and third-party liability, safeguarding contractors, developers, and property owners from unexpected financial losses.
SynergiseUK works with specialist insurers who understand the complexities of construction risks and deliver tailored policies for projects of all sizes.
Who Is It For
Contractors all risks insurance is suitable for:
- Building contractors and subcontractors
- Property developers and construction companies
- Tradespeople undertaking renovation or refurbishment work
- Self-employed contractors and construction firms
What Does It Cover
Contractors all risks insurance typically includes:
- Contract works cover for damage to works in progress
- Materials on-site and in transit
- Plant, tools, and equipment (owned or hired)
- Public liability for injury or property damage to third parties
- Employer’s liability where staff are employed
- Temporary structures such as scaffolding
- Optional existing structures cover
- Optional professional indemnity for design and advice risks
We have listed below some of the key parts of the policy
- Cover for all builds, extensions, conversions, refurbs, renovations, retrofitting, alterations, repair work and more
- Limits of indemnity protecting builds with a value up to £250K
- Cover for plant and machinery you own
- Cover for plant and machinery you may have hired
- Cover for employees’ effects and tools
- Instant cover with documents issued immediately
- Monthly or annual payment options
Why Choose This Insurance
- Comprehensive protection across all stages of construction
- Covers multiple risks under one policy
- Helps meet contractual and lender requirements
- Protects contractors, clients, and stakeholders
- Peace of mind on-site and throughout the build
Important Considerations
- Confirm the total contract value and project duration
- Understand exclusions for workmanship or design faults
- Ensure plant and equipment values are accurately declared
- Check whether existing structures require separate cover
- Confirm employer’s liability requirements for site workers
Protect Your Project Today
Safeguard your construction project with comprehensive all risks insurance.
Frequently asked Q&A's
Contractors All Risks (CAR) Insurance provides comprehensive cover for construction projects, protecting works in progress, materials, plant and third-party liability against damage, loss and claims during a build.
This insurance is suitable for builders, contractors, developers, property owners and tradespeople involved in construction, renovation, extension or refurbishment projects in the UK.
Cover typically includes damage to contract works, materials on site, temporary structures, plant and equipment, plus public liability insurance for injury or property damage claims.
Yes, most CAR policies include or allow you to add public liability cover, protecting you if a third party is injured or their property is damaged because of your construction work.
Many policies can include subcontractors, but this must be confirmed when arranging cover to ensure all parties working on the project are protected.
Yes, cover can often be extended to include existing buildings or structures being worked on, which is essential for renovation or refurbishment projects.
Yes, contractors’ plant, tools and machinery can be included under a CAR policy, either as standard or as an optional extension.
No, it is not legally required, but it is commonly required by clients, lenders or main contractors and is considered essential protection for construction projects.
Policies are usually arranged for the duration of the project, from the start of works through to practical completion, with options for annual or single-project cover.
Common exclusions include faulty workmanship, wear and tear, defective design and contractual penalties, unless specific extensions are added.
The cost depends on the project value, duration, type of work, location and level of cover, but policies are competitively priced and tailored to individual projects.
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