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Securing your Projects & Future Profits

Contractor's All Risk Insurance

Features & Benefits

  • Requirements

    Civil engineering projects like buildings, bridges, dams, roads, etc. require huge capital investments and involve high risk of loss or damage. There may be accidents, natural disasters or unexpected happenings which can cause physical damage to the project, subsequently putting the responsibility for loss or damage on the contractor. This is where our Contractor’s All Risks Insurance comes to your aid.

  • Benefits

    The Contractor's All Risks Policy will cover any damage or loss to a civil engineering project thereby nullifying the risk of heavy losses. Cover is not a ‘named peril’ policy but an ‘all risks cover’, which means that it provides cover in the event of any loss or damage to the insured property unless caused by exclusions in the policy. This all risk policy that protects the interests of all the parties participating in the project, such as the principal, contractors, sub-contractors and financiers. Additionally, it will also protect the construction materials during storage and construction.

  • Sum Insured

    The sum insured should be the total project contract value together with the estimated cost of labour and construction materials.

  • Premium

    The premium amount paid by the insured will depend on the type, value and duration of the project.

For more information on Contractor's All Risks Policy, please read the policy wordings.


You are entitled to use this insurance policy if you are involved in a civil engineering project as a contractor, subcontractor, financier, or the purchaser or owner.

To know more on eligibility conditions, please read the policy wordings.​​

Contractors' All Risk Insurance covers all risks normally associated with a construction project. The policy will provide cover against sudden and unexpected physical loss or damage to the insured property. This policy covers accidents and natural perils both while building materials are in storage and actively being used in construction, unless specifically excluded.

The policy cover begins with the start of the project, from the time the first material consignment is unloaded at the project site and ends when the project is finished or handed over to the purchaser or owner.

The policy cover can be extended to cover the following risks, upon paying an additional premium

  • Escalation
  • Maintenance
  • Clearance and removal of debris
  • Damage to the owner’s surrounding property
  • Third party liability
  • Additional customs duty
  • Express freight
  • Holiday and overtime rates and wages
  • Earthquake
  • Terrorism

This is not an exhaustive list. For a detailed list of inclusions & other details, please refer to the policy wordings.​​​​

This policy has ‘named excluded perils’ or specific risks which will not be covered under the policy.

The policy exclusions/risks are:

  • War and nuclear events
  • Wilful acts
  • Work cessation
  • Inventory losses
  • Wear and tear

This is not an exhaustive list. For a detailed list of exclusions ​& other details, please refer to the policy wordings.

Why Commercial Insurance

Listen to Our Customers

The Client has highly appreciated the inputs and report from Mr. Sudhanshu.
Its because of him we were able to convince the client to move to Liberty along with local sales support.​

Rohit Kapoor

We find the report is very exhaustive in bringing out the risk exposures and the works the client has to carry out for risk elimination. Surely the client will be benefited by the suggestions you have put forth.​


The contents of your newsletter are quite interesting and informative.

This will help in creating awareness in the industry about the loss prevention and good maintenance.

Thanks for the good work you are doing.​


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Registration Number: 150 | ARN- ADVT/2017/May/22 | CIN: U66000MH2010PLC209656

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