Essential Protection for you and your clients

CRL ARE HIGHLY RESPECTED AND COMPETITIVELY-PRICED CONTRACT WORKS INSURANCE SPECIALISTS.

A construction site can be a very risky place where many things can go wrong, such as, theft, flood, storms, etc. With any construction or civil works, there is a risk of loss or damage.

Our Contractors All Risks (CAR) insurance has been designed specifically for Contractors and Developers to cover and protect against the cost of this loss or damage and third-party injury claims.

Also known as Contract Works insurance, Contractors All Risks insurance is an optional cover that can be added to a builders or tradesman policy if you will be carrying out work on a contract site.

Reasons to get Contract Works Insurance from CRL:

  • AN A RATED LLOYDS INSURER
    CAR is brought to you by an A rated Lloyds insurer, so you can be comfortable that all risks are comprehensively covered, including outbuildings.

  • FAST QUOTE, FAST COVER
    Your time is precious, we will ask for minimal information and get you competitive quote back to you as fast as humanly possible.*

  • A QUALITY PORTFOLIO OF PRODUCTS
    CRL can also offer structural defects insurance, road bonds, developer insolvency and building control.

  • DON’T TAKE OUR WORD FOR IT, ASK OUR CLIENTS
    97% of our clients said they would recommend CRL to others, will you be next?

* This can take up to 24 hours subject to underwriting requirements

Contractors All Risks Insurance
(Contract Works Insurance)

Get a quote now

Types of Contractors All Risks Cover:

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    COVER ONE: CONTRACT WORKS

    The permanent works undertaken in the performance of the contract and allocated to or incorporated in the works including:

    • Temporary Works
    • Free Issue Materials

     

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    COVER TWO: OWNED PLANT AND MACHINERY

    This will cover Loss of or damage to:

    • Contractors Plant and
    • Temporary Buildings anywhere in the Territorial Limits or
    • Employees Effects on the contract site occurring during the Period of Insurance

     

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    COVER THREE: HIRED IN PLANT AND BUILDINGS

    This will provide cover for the Insured’s legal liability under the terms of their hiring agreement or otherwise to pay:

    • Compensation for loss of or damage to Hired In Plant and Buildings anywhere in the Territorial Limits during the Period of Insurance
    • Continuing hire charges as a result of loss of or damage to Hired In Plant and Buildings for which indemnity is provided by the above

Please note that we will only cover damage to property (owned, employees and hired-in). We do not provide Employer’s Liability (EL) or Public Liability (PL).

Frequently asked questions

What periods of cover do you provide?

Period of Cover:

  • Project Policy – will provide cover for the duration of the Project plus Contractual Maintenance Period;
  • Annual Policy – will provide cover for any Projects completed during a 12 Month Period

Why should I switch provider?

  • We supply cover from an A-Rated Lloyds Insurer
  • The policies cover temporary buildings
  • We also offer structural defects insurance, road bonds, developer insolvency and building control
  • 97% of clients would recommend us

How difficult is it for me to switch?

  • Our quote process is simple, electronic and returned within 24 hours

What are some of the essential pieces of data I need to collect?

Single Project Policy

  • Duly completed Proposal Form.
  • Ground condition report (including recommendations on the type(s) of foundations required.
  • Drawings/Designs/Plans.
  • Details of the main contractor (if Developer seeking cover) & contract.
  • Structural Report commenting on the feasibility of the intended use of the project. (if applicable).
  • Schedule of works/Gantt Chart
  • No claims declaration (for projects whereby the construction works have already started).

Annual Policy

  • Duly completed Proposal Form.
  • Claims History (if applicable)

How do you calculate the risk?

  • Based on the highest contract value.

What cover do I need?

  • There are two types of cover, project or annual, it depends on whether or not you shall be undertaking 1 or more projects.

When should you be notified of a claim? Is there a time limit?

  • As soon as possible.

There is an injury on site, but the injury is minor, should I still report it?

  • Yes, you should report all injuries.

Contractors All Risks Insurance (Contract Works Insurance)

Get a quote now