Contractors All Risks (CAR) insurance is essential for protecting construction projects in the UK. It covers unforeseen damage to works, materials, and plant equipment. When choosing a policy, there are several key factors to consider to ensure you have the right level of protection.

First, assess the scope of your construction activities. CAR insurance typically includes cover for contract works, tools, temporary buildings, and hired-in or owned plant. Ensure the policy matches your specific project size and complexity. Some policies may also include cover for employee tools, which can be vital on large sites.

Next, consider who needs to be covered. A comprehensive policy should extend to subcontractors, site visitors, and third parties. Check if the policy provides joint-names coverage if required by clients or lenders.

Also, pay close attention to exclusions and excesses. Policies often exclude wear and tear, defective design, or poor workmanship, so understanding what isn’t covered is just as important as knowing what is.

Duration of cover matters too. Your policy should extend from the start of the build through to project completion, and possibly beyond for maintenance periods.

Lastly, choose a reputable broker or insurer experienced in the UK construction industry. They can help tailor the policy to your exact needs and offer guidance on risk management.

Contact Oliver Roberts on 07973 876539