Protect your construction project from unexpected loss, damage, and liability.
Hallmark Risk & Financial Services helps contractors, developers, builders, engineers, and project owners secure Contractor’s All Risk Insurance tailored to the realities of South African construction sites.
Cover for the risks that can stop a project
Practical insurance advice for contractors, builders, engineers, and property developers.
Cover structured around the contract value, project duration, site risks, and client requirements.
We help you understand limits, exclusions, extensions, and claims responsibilities before work begins.
Specialist protection for construction and engineering projects.
Contractor’s All Risk Insurance, often called CAR Insurance, is designed to protect construction projects against physical loss or damage to the works, as well as certain third-party liability risks arising during the project.
Contract Works Cover
Protects the actual building or construction works against insured loss or damage during the project period.
- Fire and explosion
- Storm and water damage
- Accidental physical damage
Third-Party Liability
Covers legal liability where construction activities cause injury or property damage to third parties.
- Injury to members of the public
- Damage to neighbouring property
- Legal defence costs
Plant, Tools & Equipment
Optional protection for contractor-owned or hired plant, machinery, tools, and equipment used on site.
- Construction plant
- Site tools and equipment
- Hired-in equipment exposure
Materials on Site
Cover for building materials, supplies, and project components stored on site or awaiting installation.
- Theft of materials
- Damage before installation
- Stored project supplies
Temporary Works
Protection for temporary structures and works needed to complete the construction project safely and properly.
- Scaffolding exposure
- Formwork and support works
- Temporary site structures
Maintenance Period Cover
Optional cover for certain damage or defects discovered during the agreed maintenance period after completion.
- Post-completion exposure
- Maintenance visits
- Contractual requirements
If you are responsible for a construction project, you may be exposed.
Construction sites are vulnerable to theft, weather events, accidental damage, defective workmanship disputes, public liability claims, fire, equipment loss, and contract delays. Contractor’s All Risk Insurance helps protect the financial value of the project while work is underway.
Contractors managing residential, commercial, industrial, or civil construction projects.
Developers who need to protect project works, materials, and third-party liability exposure.
Specialist trades working on site who may carry their own contractual insurance responsibilities.
Businesses, landlords, and property owners undertaking renovations, extensions, or new builds.
Construction insurance advice that looks beyond the quote.
A cheap policy can become expensive if the wording does not match the contract, project value, timeline, site conditions, or liability exposure. Hallmark helps you place cover properly from the start.
Common project insurance gaps:
Incorrect project values, missing liability extensions, inadequate plant cover, unclear maintenance period cover, excluded site risks, and contract conditions that are not properly matched to the insurance.
Hallmark helps you:
Review the project risk, understand your contractual obligations, select appropriate limits, compare insurer options, and secure cover that suits the work being done.
Simple steps to get your project protected.
We make Contractor’s All Risk Insurance easier to understand, easier to arrange, and easier to align with your project requirements.
Share the project details
We review the project value, location, duration, type of work, parties involved, and contract requirements.
Identify the exposures
We assess the key risks, including contract works, liability, materials, tools, plant, and maintenance obligations.
Place suitable cover
We help structure appropriate limits, extensions, excesses, and insurer options before work begins.
Contractor’s All Risk Insurance FAQs
Clear answers to questions contractors, developers, and project owners often ask.
Is Contractor’s All Risk Insurance required for every project?
It depends on the contract, lender, client, project value, and risk exposure. Many construction contracts require CAR Insurance before work starts.
Does CAR Insurance cover poor workmanship?
Policies generally do not cover the cost of correcting defective workmanship itself, but they may cover resulting damage depending on the wording and circumstances.
Can a single policy cover one specific project?
Yes. Contractor’s All Risk Insurance can often be arranged for a specific project or, in some cases, as an annual policy for contractors handling multiple projects.
What information is needed for a CAR Insurance quote?
Typically, insurers need the contract value, project description, site address, start and completion dates, contractor details, claims history, and required liability limits.
Does CAR Insurance cover theft from site?
Theft may be covered depending on the policy wording, security requirements, and whether the stolen property falls within the insured sections of the policy.
Need Contractor’s All Risk Insurance for an upcoming project?
Speak to Hallmark Risk & Financial Services for practical advice and tailored Contractor’s All Risk Insurance solutions for construction projects in South Africa.
Request a CAR Insurance Quote