CONTRACTOR INSURANCE
Clear scope, realistic risk coverage, and support when damage or delays affect a project. Built for construction realities, not paperwork assumptions.
The real problem with contractor insurance
Contractor losses rarely happen in isolation.
They happen mid-project when timelines, responsibilities, and costs are already under pressure.
Common problems contractors face:
Claims questioned due to unclear project scope or stages
Losses reduced because values weren’t updated as work progressed
Delays caused by incomplete site records or approvals
Confusion over whether damage falls under CAR, EAR, or liability
The real stress begins when work stops and costs continue.
Why most people get this wrong
Contractor insurance is often bought to satisfy contract clauses.
That approach creates gaps.
Declaring static project values for dynamic work
Assuming CAR/EAR covers all site-related losses
Ignoring testing, commissioning, or maintenance periods
Not aligning coverage with subcontractor responsibilities
These issues surface only when damage or delays occur.
How we handle your contractor insurance
Understand project scope, duration, and phases
Align coverage with actual construction or erection risk
Explain what is covered during execution and testing
Review values and extensions as the project progresses
Support documentation and coordination during claims
The focus is project continuity and defensible claims, not just policy issuance.
What we help you with
Structuring CAR / EAR cover for your project
Clarifying coverage during construction and testing
Reviewing sum insured and extensions
Renewal or endorsement planning for project changes
Claim support when site losses occur
Everything is aligned to how contractor claims are assessed on site.
Is this right for you?
This is for you if…
You are executing construction or erection projects
Your contracts require CAR or EAR coverage
You want clarity before losses disrupt timelines
You need support when site incidents occur
This is not for you if…
You expect insurance to cover delays automatically
You don’t want to update project values or scope
You assume subcontractor risks are always covered
Get clarity before making a decision
Contractor insurance works best when project scope and risk are updated honestly.
Getting this right early avoids disputes when work is interrupted.
Contractor insurance – common questions
What is the difference between CAR and EAR?
CAR applies to construction projects, while EAR applies to erection and installation risks.
Does CAR/EAR cover delays in completion?
Not by default. Delay coverage requires specific extensions.
Are subcontractors covered under the policy?
Coverage depends on policy terms and how responsibilities are defined.
Do values need to be updated during the project?
Yes. Outdated values can reduce claim settlements.
Insurance coverage is subject to policy terms, conditions, exclusions, project scope, declared values, extensions, and underwriting guidelines of the insurer.
This page provides general guidance and does not replace the policy document.