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Contract Works / Value
Sudden, unforeseen physical loss or damage to your building or civil engineering works on site.
Solutions > Engineering
All-Risks Protection For Your Construction Project
Contractors' All Risks (CAR) is property insurance for any building or civil engineering project, covering the works on site during the construction period and, if required, the maintenance period. It indemnifies against unforeseen and
Material Damage Cover
Works, plant, equipment and materials on site
Third-Party Liability
Injury and property damage to third parties
What is Contractors' All Risks?
Contractors' All Risks (CAR) is property insurance for any building or civil engineering project, covering the works on site during the construction period and, if required, the maintenance period. It indemnifies against unforeseen and sudden physical loss or damage and normally includes legal liability to third parties. Only the principal and the contractor(s) can be insured under a CAR policy.
Highlights
- Covers sudden, unforeseen physical loss or damage to construction works on site.
- Includes construction plant, equipment, machinery and materials.
- Third-party liability for injury/death and property damage normally included.
- Single all-risks policy for the full project duration — principal and contractor.
What is Covered and Not Covered Under Engineering?
Toggle between the categories below to understand the comprehensive scope of our cover details.
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Plant, Equipment & Machinery
Construction plant, equipment and machinery on site during the project period.
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Materials on Site
Materials stored on site, including those supplied by the principal.
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Debris Removal
Cost of debris removal following an insured loss.
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Third-Party Liability
Legal liability for injury/death and property damage to third parties (Section II).
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Wide Range of Perils
Fire, lightning, explosion, flood, storm, earthquake, landslide, theft/burglary and human error/negligence.
Eligibility & Documentation
Eligibility Criteria
Specifications
Who Qualifies
Principals and contractors on building and civil engineering projects.
Project Types
Residential, commercial, roads, bridges, dams, water systems and more.
Documents
Completed proposal form with contract details, value and project programme.
Sum Insured
Full contract works value, new replacement value of plant/equipment, and third-party limit.
How to Buy APA Contractors' All Risks?
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Complete the CAR proposal form with contract details, value and project programme.
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Declare sums insured for works, plant, materials and your third-party limit.
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Buy through an APA branch or intermediary (call 0709 912 777 or email info@apainsurance.org).
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Receive your policy covering the project from commencement to completion.
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
