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Contractors All Risk Insurance


Projects rise quickly across the UAE skyline, but a single accident, fire, or burst pipe can halt construction and drain profits. Contractors All Risk Insurance (CAR) shields builders, developers, and project owners from financial loss caused by on-site damage or third-party claims. At InsuranceHub.ae we make it easy to secure comprehensive CAR cover before the first shovel hits the ground.


Why Every Site Needs Contractors All Risk Insurance


Construction sites combine heavy machinery, complex designs, and tight deadlines—factors that increase the likelihood of costly mishaps. Authorities often require a valid CAR policy to issue building permits, and main contractors normally insist subcontractors carry their own cover. Without insurance, you risk paying out of pocket for material damage, expensive delays, and legal liability if someone is injured near your works. A well-structured CAR policy keeps projects on schedule and balance sheets healthy.


Core Coverages in a CAR Policy


  1. Material Damage: Protects the contract works, materials, and temporary structures against fire, explosion, flood, windstorm, theft, and accidental damage.

  2. Third-Party Liability: Covers bodily injury or property damage to people outside your workforce up to agreed limits.

  3. Principal’s Surrounding Property: Safeguards existing buildings that might be affected by your operations.

  4. Debris Removal and Professional Fees: Pays for cleanup and re-design costs following an insured event.

  5. Maintenance Period Extension: Continues protection during the hand-over period when latent defects can surface.

Why Choose InsuranceHub.ae for CAR Cover?


  • Compare premiums, deductibles, and exclusions from multiple Central Bank-approved insurers in a single view.

  • Customise the sum insured to match the full contract value, including materials supplied by the employer.

  • Secure cover for subcontractors and specialist equipment without separate policies.

  • Access expert risk engineers who advise on site safety and loss-prevention, reducing future claims.

  • Enjoy premium savings of up to 30 % through our bulk-negotiated rates.

Three Simple Steps to Buy Online


  1. Visit Contractors All Risk Insurance and enter project details—location, value, duration, and contractor parties.

  2. Instantly review tailored quotations, policy schedules, and insurer ratings.

  3. Choose your preferred option, upload contract documents, and pay securely. Your certificate of insurance is delivered electronically, ready for submission to authorities.

Stay on Schedule, Stay Protected


Unexpected events do not need to derail your timeline or profitability. With InsuranceHub’s Contractors All Risk Insurance solutions, your site and reputation remain safeguarded from groundbreaking to final hand-over.

Conclusion
Do not break ground without adequate protection. Get an online quote for Contractors All Risk Insurance today and build with confidence.


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Easy and Affordable way to Buy any Insurance Online

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100% Guarantee of Premium Support

We just don’t treat our customers as Just customers rather friends. And Insurancehub is that friend who will never forget you whenever you’re in Need. We take this part of our Operations were carefully so that you get a seamless experience.

FAQs About Contractors Risk Insurance

What is Contractors All Risk Insurance?

Contractors All Risk (CAR) Insurance provides comprehensive coverage for construction projects, protecting against damage to property, plant, and materials, as well as third-party liabilities during construction.

Who should buy Contractors All Risk Insurance in Dubai?

This policy is ideal for contractors, builders, engineers, and project owners involved in construction, renovation, or civil works. It ensures financial protection against on-site accidents and damages.

What does Contractors All Risk Insurance cover?

It typically covers physical loss or damage to the contract works, construction equipment, and machinery. It also includes third-party liability for accidental injury or property damage.

What is not covered under Contractors All Risk Insurance?

Common exclusions include normal wear and tear, faulty design, contractual penalties, and losses due to war or nuclear risks. Always review your policy wording for specific exclusions.

Is Contractors All Risk Insurance mandatory in the UAE?

While not legally mandatory, many clients and project owners require it as part of contract agreements to ensure financial protection for all parties involved in a project.

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