Contractors All Risks (CAR)
Single policy covering a construction project and its third-party exposure.
Understanding Contractors All Risks (CAR).
Contractors All Risks covers civil construction projects against physical loss or damage to the works, plant and materials, together with third-party liability arising out of the site — under one policy running from first delivery of materials to handover.
CAR sits alongside Industrial All Risks: IAR covers an operating facility, CAR covers a project under construction. Confusing the two leaves a gap exactly at commissioning.
What's actually inside this cover.
- Works, plant and materials in one section
- Third-party liability from site operations
- Maintenance and defects-liability extension
- Multiple named insureds
- Physical damage to permanent and temporary works
- Construction plant and equipment
- Materials in transit and in storage on site
- Third-party bodily injury and property damage
Actual cover is subject to insurer wording, sub-limits, deductibles and exclusions. Please read the policy wordings carefully before concluding a sale.
How we place it.
One team — from the first conversation to the first claim.
- 01
Profile and exposure review with a Labdhi expert
- 02
Wording, sub-limit and pricing comparison across leading insurers
- 03
Cover binding with the optimal terms and add-ons
- 04
Renewal review and end-to-end claims support
When it actually pays.
Illustrative scenarios — real outcomes depend on insurer wording.
Monsoon damage to partially completed structure funds rebuild of the affected section.
Crane topples and damages a neighbouring property; third-party section responds.
Why Labdhi for this?
As a licensed insurance broker, Labdhi compares wordings, sub-limits and pricing across multiple insurers, structures the policy around your real exposures, and supports you end-to-end through documentation, renewals and claims.
Is your Contractors All Risks (CAR) cover actually enough?
Most people discover the gap in their protection at the worst possible moment — at claim time. Shield360™ is our 4-minute risk profiler that scores your insurance coverage, highlights gaps, and gives you a personalised report you can download.
- Protection Score
A single 0–100 number showing how well-covered you really are.
- Gap Analysis
Identifies under-cover across life, health, income and assets — instantly.
- Downloadable Report
Branded PDF with your scores, gaps and suggested next steps.
More in Property & Engineering.
The foundation cover for any building, plant or stock.
Fire, perils and asset protection for buildings, plant and stock.
Project, erection and equipment cover across the construction lifecycle.
Cover for sudden, unforeseen mechanical and electrical breakdown.