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Contract Works on Site
Sudden, unforeseen physical loss or damage to building and civil engineering works during construction.
Solutions > Contractors All Risks
All-Risks Cover for Your Building & Civil Works Project
Building and civil engineering projects face complex risks beyond any contractor's control. The APA Contractors' All Risks (CAR) policy is a specialist engineering cover suitable for any building or civil engineering project, covering the w
Project Property Protection
Section I covers contract works, materials, site plant, and debris removal from damage
Legal Liability Indemnity
Section II provides cover for third-party injury, death, and property damage on site
What is Contractors' All Risks Insurance?
Building and civil engineering projects face complex risks beyond any contractor's control. The APA Contractors' All Risks (CAR) policy is a specialist engineering cover suitable for any building or civil engineering project, covering the works on site during the construction period and, if required, the maintenance defects liability period. It indemnifies against unforeseen and sudden physical loss or damage to contract works, materials, and machinery, and includes essential legal liability to third parties, protecting both the project principal and contractors under a single policy.
Highlights
- Covers contract works, site plant, and materials from physical damage.
- Protects site assets from fire, flood, storm, and human errors.
- Includes comprehensive third-party legal liability limits.
- Jointly covers project principal, contractors, and subcontractors.
- Underwritten by APA Insurance (Uganda) Ltd and regulated by the IRA.
What is Covered and Not Covered Under Contractors All Risks?
Toggle between the categories below to understand the comprehensive scope of our cover details.
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Plant & Machinery Cover
Covers construction plant, crane, equipment, and machinery on site against damage or breakdowns.
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Materials on Site
Protects construction materials, steel structures, cement, and piping from theft or storm damages.
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Cost of Debris Removal
Covers expenses incurred for clearing site debris following an insured physical loss or collapse.
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Third-Party Injury/Death
Legal liability indemnity for accidental bodily injury or death caused to third parties near works.
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Third-Party Property Damage
Legal liability cover for accidental damage caused to third-party assets and surrounding property.
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Surrounding Property Cover
Protects pre-existing buildings or properties belonging to the principal that surround the site.
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Optional Maintenance Period
Covers damage caused by the contractor while performing maintenance operations under contract clauses.
Eligibility & Documentation
Eligibility Criteria
Specifications
Eligible Parties
Project principals, developers, builders, and contractors on building and civil works in Uganda.
Requirements
Completed CAR proposal, contract specs, project timeline, and site location maps.
Premium Factors
Reflects contract completion values, engineering design, site terrain, and neighbor risks.
Core Exclusions
Defective design/materials, poor workmanship, wear & tear, road-licensed vehicles.
How to Buy Contractors' All Risks Cover?
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Submit your project category, contract values, and limit targets via the quote form.
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Provide your construction blueprint timelines, soil layouts, and contractor profiles.
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Review the detailed engineering premium quotation calculated on your project complexity.
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Verify proposal details, complete premium payment, and secure your site operations.
Everything You Need, All in One Place
Access policy documents, claim forms, renewals, and important resources anytime.
Real Stories from Customers Who Trust Our Coverage
Learn why professionals trust our solutions to complete better customer journeys.
“Support became faster, clearer, and more consistent across every customer touchpoint. It changed how we interact with our clients.”
Nia Afolayan
Customer Expert
Chioma Nwosu
Customer Success
“The onboarding was smooth from day one, and our team saw measurable results quickly. It gave us a much faster customer journey.”
Jordan Mensah
Growth Manager
Daniel Okoro
Founder
“It helped us create a better customer journey without adding complexity for the team, keeping all departments aligned.”
Robert Hayes
Regional Partner
Frequently Asked Questions
Sudden, unforeseen physical loss or damage to your construction works, plant, equipment, and materials on site, plus legal liability to third parties.
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Your Health, Our Priority
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Enjoy every moment you live
“The easiest way to manage my cover.”
— Sarah K., Nairobi
APA, Insuring Happiness
Manage Your Insurance on the Go
Experience the future of insurance management. Our mobile app provides a seamless digital curator experience for your policies, claims, and peace of mind.
APA, Insuring Happiness
What would you like to protect?
+
Health Insurance
+
Motor Insurance
+
Life Insurance
“The easiest way to manage my cover.”
— Sarah K., Nairobi
