Contractors All Risk (CAR) Advisory
Bridging the gap between policy documentation and real project risk — so your CAR policy genuinely responds when a loss occurs, not just on paper.
Talk to an Advisor
Bridging the gap between policy documentation and real project risk — so your CAR policy genuinely responds when a loss occurs, not just on paper.
Talk to an Advisor
Construction projects operate in highly dynamic environments where risks evolve continuously from excavation to final handover. A single incident — structural collapse, fire, water ingress, equipment damage or third-party injury — can result in severe financial loss, project delays and legal disputes.
Yet many projects still rely on standardized insurance structures that do not reflect their actual exposure. At Buildsure, our CAR Advisory bridges the gap between policy documentation and real project risk — ensuring your policy genuinely responds when a loss occurs, not merely as a compliance document.
A properly structured CAR policy is a financial protection framework across every interdependent activity on site.
Many policies look comprehensive on paper but fail during actual claim situations.
Projects insured below actual reinstatement or contract value, causing proportional claim reductions at settlement.
Project phases, temporary works or testing periods left inadequately covered within the policy.
Critical exposures such as debris removal, vibration or cross liability are absent or under-limited.
Construction contracts allocate liabilities differently from what the insurance policy actually covers.
High deductibles transfer substantial financial burden back to contractors during frequent smaller losses.
Unclear clauses and restrictive interpretations become the basis for disputes during claims processing.
We evaluate both the technical and financial integrity of your insurance structure.
We analyse the full construction profile — project type, methodology, structural systems, site conditions, basements, temporary works, sequencing and interface risks — to identify coverage gaps before losses occur.
We evaluate contract value, escalation, material fluctuations, imported equipment, reinstatement and debris-removal costs so declared values reflect realistic replacement exposure.
We assess standard and catastrophe deductibles, water-damage excess, third-party limits and cross-liability provisions to balance premium optimization with real financial protection.
A detailed clause-by-clause review of exclusions (defective design, faulty workmanship, ground movement) and extensions (debris removal, escalation, surrounding property, waiver of subrogation) that affect claim admissibility.
We reconcile employer-contractor and EPC agreements, joint-insured requirements and indemnity structures so the policy supports actual contractual exposure — not future ambiguity.
Deep basements and excavation create some of the highest-severity exposures in urban projects.
Incidents from design coordination, workmanship or temporary-support instability.
Construction operates within active public environments where external liabilities can be substantial.
Physical damage often triggers secondary financial consequences beyond repair costs.
A Contractors All Risk policy that is:
Every project carries unique exposures. Let us evaluate whether your CAR policy is genuinely aligned with your risks, contracts and financial protection needs.