Your protection for construction projectsContractor’s All Risks (CAR) insurance

CAR insurance offers protection against a variety of unforeseeable risks that can occur during the construction period, including:

• Exceptional weather conditions such as storms, hail or flooding
• Fire, explosion, lightning strike (unless covered separately by builder’s fire risk insurance during construction)
• Theft of permanently installed components, e.g. windows or doors
• Execution errors or negligent actions during construction work
• Vandalism on the construction site
• Water damage to parts of the building already completed
• Subsoil risks, e.g. damage due to unknown properties of the subsoil

Not only the construction work itself is covered, but also accompanying cost items:

• All construction services and materials that have been contractually agreed
• Building materials and components during transport to the construction site
• Decontamination and disposal costs of contaminated soil
• Movement and protection costs of vulnerable components
• Clean-up, demolition and rubble clearance costs following damage
• Damage investigation costs and floor damage
• Hotel and storage costs in the event of loss of use
• Gardens and planted areas (without safeguarding the growth)
• Data recovery costs (e.g. for planning data)
• Rental loss cover for planned income
• Acceleration costs to compensate for delays following damage