Contractors All Risks Insurance

When you’re managing a construction project, unexpected damage or accidents can cause costly delays. Contractors All Risks Insurance ensures you’re covered for a range of potential risks, from property damage to third-party claims. At Robison & Co, we offer tailored cover designed to protect contractors, developers, and subcontractors, giving you the peace of mind to focus on your work. We also work closely with you to customize your policy to meet specific contract requirements, such as JCT conditions, ensuring you remain fully compliant throughout your project.

Why Choose Robison & Co?

At Robison & Co, we understand the construction industry and the unique risks involved in your projects. Here’s why so many contractors trust us:

Expert Guidance
Our team is made up of experienced insurance professionals who are always available to offer expert advice and answer any questions you may have. We work closely with you to tailor your Contractors All Risks Insurance to suit your specific needs.
Tailored Cover
Every construction project is different, and we offer bespoke insurance solutions to ensure you’re adequately covered. From small renovations to large-scale developments, we’ve got you covered.
Reliable Support
In the event of a claim, Robison & Co is here to make the process as smooth as possible. Our team will support you every step of the way, ensuring that you get the help you need when you need it.
Competitive Pricing
We offer flexible and affordable pricing options to suit your budget. You can rely on Robison & Co to provide the best value for the protection your business needs.

What is Contractors All Risks Insurance?

Contractors All Risks Insurance (CAR) is a comprehensive insurance policy designed to cover the risks associated with construction projects. Whether you’re building, renovating, or involved in any kind of construction, this policy offers protection against a wide variety of incidents.

It includes cover for property damage, theft, fire, third-party liability claims and employers liability. A Contractors All Risks policy ensures that your project, your equipment, and your work are fully protected against unforeseen events.

Who Does Contractors All Risks Insurance Cover?

Contractors All Risks Insurance is vital for anyone involved in the construction industry. This includes:

  • Contractors: Whether you’re managing large or small projects, CAR insurance ensures that your construction work and property are protected.
  • Subcontractors: Protect yourself from risks associated with your specific tasks and avoid financial losses from unexpected events.
  • Developers: Developers managing construction projects can safeguard their investments and ensure cover for potential damages or delays.
  • Architects & Engineers: These professionals benefit from CAR insurance, particularly for cover against claims related to design or planning errors.
  • Property Owners: If you’re a property owner overseeing construction, you also need this insurance to protect your assets and projects.

What is Included in a Typical Contractor All Risks Insurance Policy?

A Contractor All Risks Insurance policy typically includes several key types of cover:
Material Damage
This covers damage to property, tools, and materials at the construction site due to events like fire, flooding, or theft.
Third-Party Liability
If your construction work causes injury or damage to a third party, this cover ensures you’re not financially liable. It’s essential for protecting yourself from potential lawsuits.
Damage to Existing Structures
If your work accidentally damages any existing structures on-site, this cover will help cover repair costs. This type of protection is typically offered as an extension to a Contractors All Risks (CAR) policy, ensuring you have comprehensive coverage for potential liabilities on-site.
Contractor’s Tools & Equipment
Protection for the tools and equipment you use on the job including Hire-In Plant & Equipment, ensuring that any loss or damage to these valuable assets is covered.
Delay in Completion
Some policies also cover financial losses from delays in project completion, which could result from insured events like fire or theft.

Ready to Protect Your Business?

Ready to protect your construction projects? Get in touch with Robison & Co today to discuss your Contractor’s All Risks Insurance needs and get a personalised quote. Our team is here to help you find the best cover for your business.

Contractors Risk Insurance FAQs

While Contractors All Risks Insurance covers both material damage and third-party liability, Public Liability Insurance focuses only on protecting against claims from third parties for injury or property damage resulting from your work.
Yes, subcontractors need Contractors All Risks Insurance to protect their specific tasks and activities on a construction site. It ensures that you are covered for risks like property damage or injury, which could arise from your work.
Absolutely! Robison & Co offers flexible policies, allowing you to customise your cover based on your needs. Whether you need protection for plant machinery, business interruption, or something else, we can tailor a policy to suit your exact requirements.
The cost of Contractors All Risks Insurance depends on several factors, including the size and scope of your project, the value of the tools and materials involved, and the level of cover required. Contact us for a tailored quote.

What Our Clients Say

Roger Ivimy – Private client

Extremely helpful and professional

Lesley Hickman – Business client

We have been with Robison for many years now. We were very grateful for the major savings we made with the transfer to Robison. Every year Simon does an extensive review of the market, and we are very confident that he has come up with the best price. Simon and his team are always available should we need help, also Simon is always happy to talk to our customers if needed.

Fiona Robinson – Private client

This company go above and beyond for their clients. I receive an efficient but more importantly a very personalised service. I have been a client for over a decade now and all my insurance is done through this firm. Marie looks after me and always replies to my questions whatever time of day. As I travel alot it makes all the difference to know “Marie has my back” whatever time of day it is. I was on the receiving end of what I took to be a fraudulent claim scam that was drawn out over a year. I always felt Marie believed me and helped me refute the claim and fight the case. We won in the end but often businesses choose to take the easy option and “roll over” when such a claim is made but these are honourable people with integrity. It is often when things go wrong that you really see the value of the company and particularly so with insurance. This company is still small enough to offer a personalised service and to really care about their clients. Thank you!

Oscar Lawson – Private client

Marie is always at the end of the phone ready to sort out anything I throw at her! Usually, my premiums are lower year on year, and I know she has my back covered. She is personable, always good humoured and gives me the best advice

Jo Hilder – Business client

Very helpful, friendly and knowledgeable insurance broker. Helped me out when I was struggling to find a decent yet affordable policy for doing business with the (rather litigious!) USA.

Rebekah Hart – Business client

Excellent bespoke service from all at Robison’s. Renewals are no longer dreaded now I have their help. Thanks Kerrie and Danny!

David Bridge – Business & Private client

Simon’s role as Managing Director of Robison & Co is characterised by considerable experience in the field of insurance, excellent customer care and an innate understanding of his clients’ diverse and often complex requirements. His advice is pertinent, timely and invariably of a high order and he demands similar standards of his motivated team. Strongly recommended from a business and client point of view.

Kevin Shilling – Business client

These guys are simply the best! Their understanding of my requirements, their diligence in getting sensible and rational quotes, and their all-round professionalism makes Robison & Co a top team, the best team. I use Robison & Co for property insurance, restaurant cover and business travel. If they flew aircraft, I’d fly with them.

Stuart Climpson – Business client

We have worked with Simon and his team at Robison for all our business insurance needs for many years now. The experience and knowledge are nothing short of outstanding. From the start, they always take the time to understand our operations, identified potential risks we hadn’t considered, and tailored a policy that fits perfectly. They are true partners in protecting our business. Their responsiveness, transparency, and ability to explain complex coverage in plain language makes the process smooth and stress-free. Highly recommend to any business looking for reliable, knowledgeable, and customer-focused insurance support.

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