Contractors / Erection All Risks (CAR/EAR).

Yes. Third-party Liability cover protects against accidental injury or property damage to external parties arising from construction activities.

Owned, hired-in or leased plant and equipment used on-site can be covered, subject to declared values and policy terms.

Standard CAR/EAR policies focus on physical damage. Advanced Loss of Profits or Delay in Start-Up cover can be added to protect against financial loss from insured delays.

Standard Business Interruption policies typically require physical damage to trigger cover. Non-damage events such as pandemics are generally excluded unless specifically insured under bespoke extensions.

Testing and commissioning extensions under EAR cover machinery or equipment during installation, testing and handover, where risk is often highest.

Design defect extensions (such as DE1–DE5) can be added to provide varying levels of cover for design-related failures, depending on project needs.

Debris Removal covers the cost of clearing damaged works and materials following an insured event, which can be significant on larger sites.

Both options are available. Single-project policies suit one-off builds, while annual contractor programmes cover multiple projects under one policy.

Sums insured are usually based on the full project or contract value, including materials, labour and associated costs, to ensure the works can be fully reinstated after a loss.