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Construction & Project Insurance — PAN India

Contractor's All Risk Insurance — Complete Protection for Your Project

From the first delivery of materials to the final handover — CAR Insurance covers your construction project against damage, disasters, and third-party liability. One advisor. Direct support. No call centres.

  • Accidental damage to the construction site & materials
  • Third-party property damage & bodily injury liability
  • Natural calamities — flood, earthquake, storm, lightning
  • Theft from the construction site
  • Covers all civil structures — buildings, roads, bridges, tunnels, dams & more
  • Add-ons: ALOP, design defect cover, debris removal & more
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Serving contractors, developers & project owners across India • Based in New Delhi

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e.g. Building, Road, Bridge, Tunnel, Dam
Bhupesh Arora
Bhupesh Arora
Founder, BuddyCare Insurance Services
12+ years • I personally handle every enquiry

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Thank you! I'll respond personally within 1 business day.

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12+ Years Experience
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200+ Businesses Served
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Claims Personally Coordinated
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PAN India Coverage
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Direct Advisor — No IVR

What is Contractor's All Risk (CAR) Insurance?

Every construction project carries uncertainty. A sudden fire, flood, theft of materials, or accidental damage can result in unexpected financial loss and disrupt project timelines. Contractor's All Risk (CAR) Insurance is designed to protect contractors, developers, and project owners against these risks throughout the construction period.

It is a comprehensive policy that combines two important protections under a single contract: Section I – Material Damage, which covers accidental physical loss or damage to the insured project during construction, and Section II – Third-Party Liability, which covers legal liability arising from bodily injury or property damage caused to third parties due to construction activities.

2️⃣ Core protections in one policy

Property damage & third-party liability

⏰ Day 1 Coverage

Coverage starts from the first delivery of materials at site

🏗 All Civil

Buildings, roads, bridges, tunnels, dams, airports & more

🔧 Flexible

Add-ons available for ALOP, design defects, debris removal & more

Who Needs Contractor's All Risk Insurance?

CAR insurance is built for anyone directly or indirectly involved in a civil construction project.

🏗 Contractors & Sub-contractors

If you're undertaking civil construction work — CAR insurance protects your materials, site, and legal liability throughout the project.

🏢 Builders & Developers

Residential and commercial developers need protection against accidental damage to the structure under construction, plus liability for injury to workers or third parties.

📄 Project Owners & Principals

Companies commissioning large infrastructure projects often require CAR insurance as a contractual obligation before work begins.

🏭 Infrastructure & EPC Companies

Engineering, procurement, and construction firms working on turnkey projects need CAR cover for the full project duration.

🏭 Factories & Industrial Units

Businesses constructing or expanding factory buildings need coverage for the under-construction structure and all materials on site.

🏦 Government & PSU Projects

Public works contractors routinely require CAR insurance as part of tender conditions.

What Does CAR Insurance Cover?

A single policy that brings together property damage and third-party liability — covering risks that would otherwise fall between the cracks of separate policies.

🏗 Section I — Material Damage

  • ✓ Accidental loss or damage to construction project
  • ✓ Fire, explosion, lightning & impact damage
  • ✓ Natural calamities — flood, earthquake, storm
  • ✓ Theft from construction site

⚖️ Section II — Third-Party Liability

  • ✓ Accidental damage to third-party property
  • ✓ Bodily injury or death of third parties
  • ✓ Legal defence costs
  • ✓ Surrounding property damage

Frequently Asked Questions — CAR Insurance

What is Contractor's All Risk (CAR) Insurance?
Contractor's All Risk (CAR) Insurance is a comprehensive policy designed for construction projects. It protects the project against accidental physical loss or damage during the construction period and covers legal liability arising from third-party property damage or bodily injury.
Who should purchase Contractor's All Risk Insurance?
CAR Insurance is suitable for contractors, builders, developers, project owners, and principal employers involved in construction projects. It is commonly required for both private and government contracts.
What does Contractor's All Risk Insurance cover?
A CAR Insurance policy provides broad protection against accidental damage to the insured project while construction is in progress. It covers losses caused by fire, flood, storm, earthquake, theft, accidental damage, and includes third-party liability coverage.
What is not covered under CAR Insurance?
Like every insurance policy, CAR Insurance has exclusions. It generally does not cover losses from normal wear and tear, poor workmanship, gradual deterioration, mechanical or electrical breakdown, deliberate acts, war, or nuclear risks.
When should CAR Insurance be purchased?
Ideally, CAR Insurance should be arranged before construction activities begin or before materials arrive at the project site. Purchasing the policy early ensures that the project is protected from the very first stage of construction.
How is the premium for CAR Insurance calculated?
The premium is determined after evaluating project-specific factors including total contract value, project duration, location, type of construction, and claims history. Since every construction project is different, premiums are calculated individually.

Ready to Protect Your Project?

Get a personalised CAR insurance quote — I'll review your project details and come back with the right options. No jargon. No pressure.

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