Contractors All Risk

Contractors all risk insurance is specially designed to protect the interest of civil contractors against the damage to or destruction of various civil engineering projects (like dwellings, office, hospitals, tunnels, cannels etc).
These policy includes accidental damage to civil Construction works, contractor's plants & machinery at the construction site and damage / defects during the subsequent period of maintenance for which the contractors is liable under the terms of the agreement between the contractors and the principle.

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  • Fire and Lightning:  If there is any fire arising out of dwelling or fire arising out of lightning which causes damages to the contractor's plant and machinery will be covered under this policy.
  • Accidental damage like defective workmanship and material, lack of skill, Negligence, Malicious act or Human error: Any accidental damage which is an result of lack of workmen skill, defective material, or due to negligence will be covered under this policy.
  • Water damage, Flood, Storm, Tempest, Inundation: Any damages which is a direct result of flood, storm, tempest, etc will be covered under this policy.
  • Collapse, Collision, Impact: Due to defective material or any other reason which collapse the contractor's plant or machinery and causes damages will be claimed under this policy.
  • Theft & Burglary: Any loss of material, asset from the contractor's plant due to theft or burglary will be covered under this policy.
  • Subsidence, landslide, Rockslide: Any damages to the contractor's plant or machinery which is a result of landslide, rockslide will be covered under this policy.

General exclusions

  •  Loss or damage due to War or Warlike operations, Civil Commotion etc.
  •  Loss or damage due to Willful act or Negligence of the Insured or of his representative.
  •  Loss or damage due to Nuclear reaction, Nuclear radiation or Radioactive contamination.
  •  Loss discovered only at the time of taking an inventory.
  •  Loss or damage due to normal wear and tear, Gradual deterioration due to atmospheric conditions or lack of use, Rust.
  •  Loss or damage due to faulty design.