Contractors All Risk (CAR) Insurance: Protect Your Construction Investment
Construction projects are high-value, high-risk ventures. A single fire, accident, theft, or weather event can delay or destroy months of work—and drain your budget.
Contractors All Risk (CAR) Insurance protects your project from the ground up, ensuring financial stability from start to completion.
What Does CAR Insurance Cover?
A comprehensive CAR policy typically includes:
- Material Damage: Protects works in progress and materials on-site against fire, floods, storms, and other risks
- Third-Party Liability: Covers injury to the public or damage to neighbouring property caused by construction activities
- Plant & Machinery: Protects tools, cranes, mixers, and heavy equipment against theft or damage
- Debris Removal: Covers cleanup costs after a covered loss so work can resume quickly
- Maintenance Period Cover: Extends protection after completion for defects or issues discovered on-site
What Affects Your Premium?
Your construction risk profile determines your cost:
- Contract Value: The total project cost is the main basis for pricing
- Type of Project: Residential builds cost less than infrastructure or high-rise developments
- Project Duration: Longer projects face higher exposure to risk
- Site Location: Urban, high-traffic, or flood-prone areas attract higher premiums
Why Work With Us?
We help you protect not just your site—but your timeline and capital.
- Compare Leading Insurers: Access top CAR providers in the market
- Technical Clarity: We simplify complex construction policy terms
- Proper Risk Structuring: Ensure your project is correctly valued and fully covered
- Claims Support: We help you act fast to reduce delays after losses
- Ongoing Adjustments: Cover updated as your project evolves
Don’t Let One Incident Stop Your Project
One uninsured loss can stall or collapse your entire build.
📧 hello@dennylinkinsurance.co.ke
📞 0721 336 806 (Call/WhatsApp)
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