Contractor All Risks

Ensuring your construction projects stay on track with coverage for all risks.

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Ensuring your construction projects stay on track with coverage for all risks.

Contract works insurance

Contractors All Risks insurance, also known as contract works insurance, is designed to provide comprehensive protection for a variety of construction-related activities. This policy covers damages that may occur during the construction process due to unforeseen events such as floods, fires, storms, theft, or vandalism, helping to offset the costs of repairs or complete reconstruction.

While Contractors All Risks insurance may be a mandatory requirement for certain projects, it is beneficial for all construction endeavors. It not only protects against physical damages but also covers liabilities that may arise while working on-site, making it a prudent choice to secure this coverage before commencing any construction project.

What Does It Cover?

Fire and Lightning

Coverage for damage caused by fire or lightning incidents at the construction site.

Accidental Damage During Construction

Protection against unexpected damage occurring during construction work.

Water Damage, Flood, Storm and Tempest

Includes coverage for damages from water-related events such as floods, storms, and tempests.

Protection for Personal Belongings

Includes coverage for loss or damage to personal items like devices, cash, and jewelry.

Collapse, Collision, Impact, Burglary, Theft and Malicious Damage

Coverage for structural incidents, theft, or intentional harm impacting the project.

Breakdown or Explosion at the Site

Protects against mechanical breakdowns or explosions involving site equipment like lifts.

Defective Material and Workmanship

Covers damages resulting from flaws in materials, workmanship, or design defects.

Natural Disaster Coverage

Includes protection from events like riots, strikes, earthquakes, hurricanes, and volcanic eruptions.

Third-Party Legal Liability

Indemnity for third-party claims due to bodily injury, death, or property damage resulting from negligence by the Principal, Contractor, or Consultant.

Northern, Protecting You Always

We believe insurance is about trust, clarity, and long-term protection—not confusion or fine print.