Insurance for civil and construction contractors

What are you trying to protect?

Start with the exposure, then read about the cover that addresses it.

Project insurance

For the works, the materials moving to them, and events standard policies exclude.

• Contractors All RiskCover for the works under construction, such as roadworks, drainage, pipelines and structures, subject to policy terms.
• Goods in transitArranged case by caseCover for materials and equipment while they are being moved, and how that differs from other policy sections.
• Sasria coverArranged case by caseSpecial-risk cover for events such as riot, strike and public disorder, which standard policies normally exclude.

Plant and equipment

For owned and hired-in machines, portable tools and the vehicles that move them.

• Plant All RiskCover for excavators, loaders, rollers and other contractors’ plant against accidental loss or damage, subject to terms.
• Hired-in plantCover aimed at your responsibility for hired equipment under the hire agreement, including damage and loss while in your care.
• Owned plantInsurance structured around a contractor’s own plant portfolio, from a single schedule to values, finance interests and changes during the year.
• Tools and equipmentArranged case by caseCover for portable tools and smaller equipment such as generators, compactors, breakers and survey instruments.
• Construction fleetArranged case by caseVehicle cover for construction businesses: bakkies, tippers, low-beds and water tankers, and the boundary with plant cover.

Liability

For claims by third parties, questions about employees and professional services.

• Public liabilityCover aimed at your legal liability to third parties for injury and property damage arising from your work.
• Employers’ liabilityArranged case by caseHow employers’ liability cover may relate to employees, and why it never replaces statutory workplace obligations.
• Professional indemnityArranged case by caseCover aimed at claims arising from professional services a contractor provides, such as design, specification or supervision.
• Design and constructArranged case by caseInsurance questions that arise when a contractor takes on design as well as construction responsibility.

Guides that help you choose

• Construction insurance checklist for contractorsA construction insurance checklist for a broker conversation: project details, contract requirements, covers, plant, subcontractors and comparing quotations.
• Contractors All Risk vs public liabilityThe difference between Contractors All Risk and public liability insurance: first-party damage to the works versus third-party liability, and how the two may overlap.
• Annual vs project-specific contractors’ insuranceAnnual versus project-specific contractors’ insurance compared: how each is structured, when each may suit a South African contractor and what to check against the contract.