Contractors All Risk
Insurance designed for the works while they are being built: roadworks, drainage, pipelines and structures, subject to policy terms.
- Permanent and temporary works
- Materials on site
- Extensions for the maintenance period
Insurance for civil and construction contractors
Your next project. Properly covered.
Get insurance for your contract works, plant and liability, with support from enquiry to quote.
Cover is subject to underwriting and policy terms.
Choose what you need
- Cover a construction projectInsurance for the works while they are built.Learn more
- Insure plant or equipmentOwned, hired-in and portable equipment.Learn more
- Arrange liability coverThird-party injury and property damage.Learn more
- Enquire about a construction guaranteeBid, performance, advance payment and retention.Learn more
Core cover
The covers contractors are most often asked for
Public liability
Cover aimed at your legal liability to third parties for injury and property damage arising from your work.
- Underground services and neighbours
- Subcontractors’ work
- The limit your contract requires
Plant All Risk
Insurance for excavators, loaders, rollers and other plant against accidental loss or damage, subject to terms.
- Valuation basis
- Theft and security conditions
- Transit and loading
Looking for something else? See all insurance options, including tools, fleet, goods in transit, employers’ liability, professional indemnity and special-risk cover.
New contract
Starting a new contract?
Your contract’s insurance clauses and contract data say which covers you need, for what amounts and by when. Send us those requirements and we will review them with you, then help arrange a quotation.
What we look for in your contract
- Covers requiredContract works, liability, plant and anything else the contract names
- Limits and excessesMinimum limits and maximum excesses
- Period of insuranceStart, duration and the defects period
- Who must be insuredEmployer, main contractor and subcontractors
- Evidence and deadlinesWhat proof is needed, and by when
Industries
Insurance questions that depend on your trade
- Civil contractorsContract works, liability, plant and guarantees for roads, stormwater, sewers, bridges and bulk earthworks.
- Earthmoving contractorsPlant, transit, underground services and ground stability for bulk earthworks and site preparation.
- Road construction contractorsWorks near traffic, plant operations, asphalt and weather exposures on roads and highways.
- Drainage and sewer contractorsExcavation near existing underground services, trench collapse, flooding and pollution in drainage and sewer work.
- Pipeline contractorsLinear projects, pipe storage and transit, crossings, landowners and testing for water, sewer and other pipelines.
- Plant hire businessesOwnership, hire terms, damage waivers and machinery use for businesses that hire out plant.
How it works
From enquiry to cover, in four steps
Tell us about your work
Describe the project or your business and what you want to insure.
Share the required information
Send your contract’s insurance requirements and the details a quotation needs.
Review your quotation
We explain what the quotation covers, what it excludes and how it compares with your contract.
Confirm cover once accepted and issued
Cover begins only when the insurer has accepted the risk and confirmed the terms in writing.
Submitting a form or requesting a quote does not put cover in place. Cover begins only when the insurer has accepted the risk and confirmed the terms and start date in writing.
Why CivilCovered
A process built around how contractors work
- Enquiries structured around your workOur questions follow the type of project, plant or liability you are asking about, not a generic form.
- Support with quote documentationWe help you identify and organise the contract clauses and information an insurer asks for.
- Clear next stepsAt each stage you know what has been done, what is outstanding and what cover is and is not in place.
- A contact point for insurance enquiriesOne place to bring your contract, your questions and your changes, from enquiry to quote and beyond.
Contractor resources
Guides for bidding, winning and delivering contracts
- CIDB and registrationWhat is the CIDB? Grading, grades and grading tableWhat the CIDB is, what CIDB grades 1 to 9 mean, how a grading designation such as 6CE is written, and the CIDB grading table, with sources checked against the CIDB website.Read the guide
- Tenders and contract awardsConstruction tender document checklistA construction tender document checklist that separates commonly requested company documents from contract-specific returnable documents, with notes on validity and insurance.Read the guide
- Tenders and contract awardsInsurance after winning a tender: what to prepareWhat to do about insurance after a contract award: reading the contract’s insurance clauses, listing required covers and evidence, timing, and what to send your broker.Read the guide
Frequently asked questions
Is CivilCovered an insurer?
No. CivilCovered arranges insurance. Insurers underwrite the policies and guarantee providers issue guarantees, each on their own terms. See about CivilCovered.
Does sending a quote request put me on cover?
No. A form or quote request does not put cover in place. Cover starts only when the insurer has accepted the risk and confirmed the terms and start date.
What do I need to get started?
A short description of your work and, if you have it, the insurance clauses from your contract. The quote form only asks for the details relevant to what you need.
Which covers does my contract require?
That depends on the contract. We start with its insurance clauses and contract data, and help you list the covers, limits and evidence required. See insurance after winning a tender.
Can you help with construction guarantees?
Guarantees are issued by guarantee providers after their own assessment. Tell us what your contract requires and we will confirm whether we can assist. See construction guarantees.
What if I hire in plant rather than own it?
Hired-in equipment is usually governed by the hire agreement, and cover is arranged around it. See hired-in plant insurance.
More answers are in our construction insurance FAQs.
Tell us about your next project
Tell us about your work and your contract’s insurance requirements. We will review them and help arrange suitable cover.
Submitting an enquiry or requesting a quote does not put cover in place. Cover is subject to underwriting and policy terms.