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Contractors All Risk Insurance UAE with EIB

From groundwork to handover, ensure your worksite stays on track and protected.

Corporate - Engineering

Understanding CAR Insurance

Contractor’s All Risk (CAR) insurance is a comprehensive insurance policy designed to cover construction projects from unexpected risks that may arise during construction stage. Whether you’re a property developer, contractor, subcontractor, or consultant, CAR insurance protects both the physical work in progress and third-party liabilities that may occur on site.

This policy ensures that your project continues with minimal disruption—shielding your investment from damages due to accidents, fire, flooding, theft, or negligence during the construction phase and beyond.

Corporate - Engineering

Who Needs It?

CAR insurance is essential for:

In UAE construction projects, CAR policies often name multiple parties such as the principal (project owner), contractors, subcontractors, and engineers to ensure seamless protection for all stakeholders.

Corporate - Engineering

What Is Covered?

Liability insurance typically includes:

Material Damage

Contract works – Covers damage to the project works under construction (e.g., fit-out, civil works).
Materials supplied by the principal – Protection for owner-supplied materials on-site.
Surrounding property – Covers damage to the existing structure or adjacent buildings.
Contractor’s plant and equipment – Includes construction machinery used on site.
Inland transit – Limited cover for transport of goods and materials to the site.
Debris removal & professional fees – Costs associated with cleanup and re-design post-loss
Off-site storage – Coverage for materials stored elsewhere, subject to sub-limits.
Escalation & reinstatement – Automatic increase in cover and reinstatement after a claim.

Third-Party Liability

Property damage and bodily injury: Covers accidental damage or injury to third parties.
Extended maintenance period cover: Protection during the defect liability period.
Strikes, riots & civil commotion: Included as standard
Cross liability and firefighting expenses: Coverage for liability between insured parties and emergency expenses.

Corporate - Engineering

What Is Not Covered?

While CAR insurance offers broad protection, certain exclusions apply:

Consequential losses: Loss of profits, penalties, or business interruption.

Cyber risks, war, and terrorism

Nuclear, pollution, and asbestos-related losses

Prototype design flaws or experimental methods

Pure demolition or standstill projects

Aviation, marine, or offshore-related liabilities

Event-related or communicable disease liabilities

Additional warranties such as safety protocols, proper housekeeping, and no-smoking rules on site are also standard, and breaches may affect claims.

Why Choose Us?

Customized Coverage Plans

Tailoring insurance policies to fit the specific needs of clients, ensuring protection against various risks such as fire, natural disasters, theft, equipment failure, and liability exposures.

Risk Assessment and Prevention

Providing expert insights to identify potential risks and recommend preventive measures to safeguard assets and operations.

Efficient Claims Support

Assisting clients with a smooth and timely claims process to minimize financial loss and operational disruptions.

Comprehensive Policy Management

Ensuring coverage evolves with business growth, regulatory changes, and industry requirements.

Cost Optimization

Helping clients secure competitive insurance premiums while maintaining high-quality coverage

Our Reviews

Hear from Our Happy Clients

      EXCELLENT  
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   Joseph Debattista 
 
 
 
 Trustindex verifies that the original source of the review is Google. Fast and efficient 5 ⭐️
  
 
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   Betty Au Yeung 
 
 
 
 Trustindex verifies that the original source of the review is Google. I am writing to express my sincere appreciation for the outstanding support provided by Reema Mathew at Earnest Insurance Brokers. Reema went above and beyond to secure a No Claims Certificate for us, demonstrating incredible persistence and professionalism while following up with the insurance company. Her communication was prompt, clear, and proactive throughout the entire process. I highly recommend Reema for her dedication and excellent customer service.
  
 
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   Ephraem Beniahan 
 
 
 
 Trustindex verifies that the original source of the review is Google. Sharanya is very helpful
  
 
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   Mohammed Salman 
 
 
 
 Trustindex verifies that the original source of the review is Google. Thank you Damin for helping me with the claims for my car. It took some time but im glad the process was smooth.
  
 
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   shammiraj.s Raj 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had an excellent experience with this insurance company, especially with Ms. Sharanya, who handled my car insurance policy. She was extremely professional, knowledgeable and patient in explaining all the details clearly. She took the time to understand my needs and suggested the best coverage options without any pressure. Her dedication to customer service made the entire process smooth and hassle-free. I truly appreciate her support and would highly recommend her services to anyone looking for reliable insurance assistance.
  
 
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   Isuru Kathriararchchi 
 
 
 
 Trustindex verifies that the original source of the review is Google. Got insurance for my new car, and the process was quick and hassle-free. Manisha was very helpful and responsive throughout. Highly recommend their services for anyone looking for insurance at a reasonable price
  
 
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   Kovilikonda Harish 
 
 
 
 Trustindex verifies that the original source of the review is Google. It was a great service thank you, especially sharanya is the best, she helped me a lot
  
 
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   Tanveer Hussain 
 
 
 
 Trustindex verifies that the original source of the review is Google. My preferred partners for any insurance requirements - motor, health. I have used Earnest services for a decade now. I approached them for motor insurance. Sharanya and Tobin Tomy were quick to address my needs and offer me options. They always manage to get me best rates, prompt service.