Construction Insurance in South Africa
Protect your business, employees, and projects with comprehensive construction insurance in South Africa.
At Hallmark Risk, we specialise in providing tailored construction and engineering insurance solutions that safeguard contractors, developers, and engineering firms against a wide range of risks faced in the industry.
Whether you are building residential homes, large-scale infrastructure, or operating heavy machinery, our policies provide peace of mind and financial protection when you need it most.
Get a tailored construction insurance in South Africa quote today to protect your site, people and cash flow from ground-breaking to handover.
Who Needs Construction and Engineering Insurance?
If you own, operate, or manage a construction or engineering business in South Africa, specialist insurance cover is essential.
Why Choose Hallmark Risk for Construction Insurance?
- Specialist knowledge of construction insurance in South Africa
- Customised cover for businesses of all sizes—from small contractors to large engineering firms
- Peace of mind knowing you are fully insured for the risks your projects face
- Local expertise in South African construction risks and contracts
- Flexible limits, deductibles, and extensions
Our policies are designed to protect:
Contractors, subcontractors, and developers
Civil engineering and building firms
Specialist trades such as air conditioning, painting, and installation contractors
Businesses that own or hire construction machinery and equipment
Trusted Partner
Collaborative, broker-led advice from tender to handover. We map your exposures, align cover with contract terms, and negotiate competitive premiums—so you can build with confidence.
Contract Works Cover
All-risks protection for works, materials, and temporary works, with options for transit, testing & commissioning, and third-party liability. Suitable for residential, commercial and civil projects—from small builds to major infrastructure.
Dedicated claims support that keeps sites moving—rapid lodgement, adjuster coordination and proactive updates. We also handle certificates, waivers and contract-specific endorsements, on time.
Claims & Compliance
Dedicated claims support that keeps sites moving—rapid lodgement, adjuster coordination and proactive updates. We also handle certificates, waivers and contract-specific endorsements, on time.
| Policy | What it covers | Ideal for | Example image |
|---|---|---|---|
| Construction All Risks (CAR) | All-risks cover for works, materials on site, and temporary works during construction. Residential builds through to major infrastructure (shopping centres, bridges, roads, dams, pipelines). | Main contractors, developers, civil engineering firms; small to large projects. |  |
| Erection All Risks (EAR) | Erection, testing and commissioning of machinery and plant on an all-risks basis; protection against physical loss or damage. | Power stations, mineral processing plants, HVAC, lifts and industrial installations. |  |
| Engineering Project Insurance | Combined CAR + EAR for projects with civil works and machinery erection (e.g., dam with hydroelectric plant). | Integrated infrastructure projects requiring seamless cover across phases. |  |
| Plant All Risks (PAR) | Loss or damage to construction plant and equipment in storage, transit or use on site. Options for hire costs, legal liability and continuing hire charges. | Plant owners and hire companies; earthmoving equipment, cranes, pumps, compressors. |  |
| Machinery Breakdown | Sudden, accidental and unforeseen mechanical/electrical breakdown of machinery while operating, idle, or during re-erection. | Any contractor or plant-intensive operation relying on critical machinery. |  |
| Loss of Profits (MLOP) | Consequential loss of gross profit/revenue or increased cost of working following an indemnifiable Machinery Breakdown claim. | Businesses need income protection when a critical machine fails. |  |
| Dismantling, Transit & Erection (DTE) | Accidental loss or damage to plant/machinery during dismantling, loading, movement, transit, storage, repositioning or re-erection. Public liability and maintenance/guarantee extensions available. | Moves of heavy plant between sites or facilities. |  |
| Deterioration of Stock | Damage to stock caused by a change in controlled environmental conditions due to insured machinery damage. | Cold rooms, temperature-controlled storage and process plants. |  |
✅ Protect your projects, your people, and your profits.
📞 Contact Hallmark Risk today for expert advice and a tailored construction insurance quote in South Africa.