Complete Site Security
Contractors All Risk Insurance UAE with EIB
From groundwork to handover, ensure your worksite stays on track and protected.
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.
Who Needs It?
CAR insurance is essential for:
undertaking construction or renovation
working on interior fit-outs, infrastructure, or structural projects
Those responsible for visitor safety on premises.
overseeing project delivery
with financial exposure in the development
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.
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.
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
Hear from Our Happy Clients
Talk to your Trusted Insurance Advisor
- LOCATION : Offices 112 & 113, Al Shafar Investments Building, 3rd Interchange - Sheikh Zayed Road, Dubai, UAE
- TELEPHONE : 800 327 6378
- EMAIL : earnest@earnestins.com