Construction all-risk insurance (CAR) provides protection for construction sites, materials, equipment and works at all stages of the construction process.
The policy covers unforeseen damage, errors, third-party losses and other risks associated with construction activities.
Agento helps compare insurer offers and choose the solution that best fits the project.
CAR insurance protects construction sites from sudden damage, such as losses caused by storms, rain, or fire. This reduces the risk of halting construction work and ensures that repair or material replacement is covered quickly and without delay.
The policy covers both stationary and mobile equipment, construction materials, specialised machinery, and tools. This means all critically important equipment is insured in a unified solution, ensuring uninterrupted work even in unforeseen situations.
If damage halts production or service delivery, CAR insurance helps cover downtime costs. This protects against lost revenue and allows maintaining cash flow until full site restoration, reducing project delay risks.
Damage or theft at a construction site can cause major losses. The CAR policy compensates damage to materials, equipment, or infrastructure, as well as repair and replacement costs, allowing the company to maintain financial stability and continue projects.
During a severe storm, the building frame was damaged, breaking part of the metal structures and roof covering. Without insurance, repair costs would reach around €48,000. The CAR policy would cover both structural repair and material replacement, ensuring project continuation.
Due to an electrical short circuit, part of the building on a previously unoccupied floor caught fire, damaging equipment and construction materials. Potential losses: ~€55,000. The CAR policy would cover both material replacement and additional labour costs.
After a water pipe burst at the construction site, premises were flooded, damaging wooden structures and finishing materials. Losses would be ~€22,000. CAR insurance would cover replacement of damaged structures and materials, allowing work to continue without financial difficulties.
During construction, falling boxes of bricks damaged already built walls and windows. Losses around €15,000. The CAR policy covered both materials and labour costs for damage repair, preventing project delays.
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We will process your request and send you offers to choose from
You can pay for the selected policy using our convenient payment system
After payment, the policy will be sent to your email. Everything is done remotely
The CAR policy covers damage occurring during construction work, losses to materials, structures, equipment, as well as damage caused to third parties.
It is essential for construction contractors, general contractors, clients, subcontractors, and investors to protect the construction site throughout the project.
Depending on the policy, yes. Many insurers offer coverage for work, errors, and structural damage caused by technical or human errors.
Usually yes. It can include civil liability coverage against third parties if construction work causes damage to property or people.
The policy is arranged for the entire construction project duration: from the start of construction work to commissioning.
Yes, our services are free. We receive compensation from insurers.
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