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  • Construction Activities

    Contractors All risk policy is specially designed to give financial protection to the Civil Engineering Contractors in the event of an accident to the civil construction works under construction. It also covers third party liability that may arise due to accident at the construction site.

  • Surrounding Properties

    Covers liability that may arise from the damage of owner’s surrounding properties due to ongoing construction activities.

  • Flexible Premium Payment

    Flexibility to pay premium in quarterly or annual installments.

  • Sum Insured

    The policy requires that the sum insured should not be less than the total value of the erected property including freights, custom duty, and cost of construction with minor adjustments that may vary due to increase or decrease of wages or prices at the time of policy purchase.

Why Claims Get Rejected?

Faulty Design

Any such claims, where in the damage to the construction activity is caused due to faulty design gets rejected. Design Defect extension can be procured to cover specific situations.


Claims against losses or liabilities arising out of penalty, non-adherence to the local laws, environment policies and non –fulfillment of the terms of the contracts are not covered.

Use of Defective Material

Claim can be rejected if it is revealed that the reason for the damage of loss of property is due to use of defective and poor quality material.

  • Claim Intimation

    The insurer should be immediately informed about the incident. Upon intimation, insurer will appoint a surveyor to physically inspect the loss. No repair or reinstatement should begin before inspection by the surveyor.

  • Add-on Cover

    You can get a host of add on cover such as cost of removal of debris, express freight, terrorism, escalation, extended maintenance cover, loss of damage caused from rectification efforts and others.

  • Exclusions

    The primary exclusions from standard construction all risk policy are: consequential losses, cessation of work, inventory losses, war and related perils, radioactive contamination etc.

Why Securenow


    We have specialized marine underwriters and tie-ups with international experts.


    We work with all insurers to get you the best options- both in terms of price and features.


    Cover notes are issued within hours of request. This ensures that your goods don’t sit idle at any stage.


    We manage all aspects of your claim - from survey appointment to documentation to insurer follow-up.


    We will advice you on risk management best practices.


    See all your contracts renewal information in one place. Place service requests on PAM.


  • proposal form

  • Claim forms

  • Policy wordings


  • Construction All Risk Insurance covers civil construction projects such as residential and office buildings, hospitals, schools, theatres, roads, railways, bridges, tunnels, airports, dams, weirs, irrigation and drainage facilities, canals and ports.
    The contractors all risk policy can be taken by the principal, contractor or sub contractor, jointly or separately.
    Premium depends on the type of project, Sum Insured and duration of the project, and the voluntary excess opted for by the Insured. The premium can be paid in installments, when the policy period is more than 12 months.
  • The cover comes into effect from the time of commencement of work or after the unloading of the first consignment at the site, whichever is earlier. It expires on the date specified in the policy or handing of the project to Principal or project being put to use, whichever is earlier.
    Different types of Add-ons covers available are:
    • Surrounding property
    • Debris removal expenses
    • Third party liability
    • Escalation costs up to 50%
    • Air freight & express freight
    • Extended maintenance
    • Additional custom duty
    Deductible is the amount of expenses that must be paid out of pocket before an insurer will pay any expenses on a claim. You can reduce your premium by choosing higher deductibles.