Project & Risk

Construction & Engineering

All risk and machinery breakdown

Cover for construction projects and the machinery that runs them. Contractors all-risk covers the works while they are being built; erection all-risk covers installation; machinery breakdown covers the equipment once it is operating.

What it covers

Contractors all risk

Physical loss or damage to the works during construction.

Erection all risk

Damage during the assembly and testing of plant and machinery.

Machinery breakdown

Sudden and unforeseen breakdown of operating equipment.

Third-party liability

Injury or damage caused to people and property outside the site.

Maintenance period

Cover continuing after handover, for the period agreed in the contract.

What to watch for

Design error is either excluded or covered only under a specific extension.
Delay, loss of profit and contractual penalties are outside the physical damage cover.
Cover for existing structures on the site must be arranged separately.
Extending the project timetable requires the policy period to be extended too.
Failures caused by inadequate testing during commissioning are frequently excluded.

Who it is for

Contractors, employers, plant operators and anyone whose tender documents require insurance in a specified form.

What we add as a broker

On construction work the insurance clause in the contract usually decides the policy, not the other way round. We read the tender or contract wording first and build cover that satisfies it — which avoids the far more expensive discovery, months in, that the policy does not match what was signed.

Frequently asked

The tender specifies particular cover. Can you match it?

That is the normal starting point. Send us the insurance clause and we build the placement to satisfy it, rather than quoting a standard product and hoping it fits.

The project has been extended. What do I need to do?

Extend the policy period before it lapses. Cover does not follow the project automatically, and a gap at the end of a job is a well-known way to lose a claim.

Is the existing building covered while we work on it?

Not under the standard works cover. Surrounding property and existing structures need their own section, and it is one of the first things we check on refurbishment work.

Let us compare 30+ insurers on an identical cover set for construction & engineering.

Get a quote Ask an adviser