Contractors All-Risk Insurance Explained for South African Builders

Construction risk sits between public liability, plant and contract works. Contractors all-risk (CAR) programmes are designed for projects — not for a standard office commercial policy alone.

Service page: Contractors insurance

What CAR-type cover often addresses

• Contract works / material damage on site
• Plant and machinery (owned or hired — declare carefully)
• Related liability sections depending on structure

Exact wording varies by insurer and project.

What brokers ask for

• Nature of work (residential, commercial, civils)
• Contract values and maximum project size
• Plant schedule and values
• Claims history
• Principal / contract insurance requirements

Common gaps

• Hired-in plant not declared
• Testing / maintenance exclusions misunderstood
• Liability limits too low for site visitors or neighbours

Next step

Speak to Rand-Pro about contractors insurance or request a quote. Offices in Springs and Brackenfell · FSP 5024.