CAR, EAR and CPM share a unified risk architecture. Toggle between them to view specific policy scope, coverage limits, and real-world vulnerabilities:
Protection structured around real-world risk.
Comprehensive civil engineering and construction all-risk cover protecting buildings, highways, bridges, and infrastructure works against natural perils, structural collapse, and contractor negligence.
GITVISHA · RISK ADVISORYCommercial and personal risks rarely follow idealized assumptions. These are the critical financial pitfalls, claim traps, and operational vulnerabilities that proper policy structuring actively mitigates.
Formwork failure during mass concrete pours or sudden foundation settling in uncompacted excavation zones.
Sudden monsoon cloudbursts flooding foundation trenches, collapsing retaining walls, and washing away rebar and aggregate stocks.
Deep foundation piling, sheet piling, or heavy compaction vibrations causing cracking in adjacent commercial or residential buildings.
These are discussion points, not a promise that every risk is covered. Final cover depends on policy wording and insurer acceptance.
Protection for civil works, permanent & temporary structures against fire, storm, flood, and collapse
Bodily injury and surrounding third-party property damage caused during construction
Protection for adjacent buildings and utilities
Extended coverage during the defects liability period (DLP)
The right structure starts with understanding your assets, operations, people and contractual responsibilities.
Compare more than price. Review limits, deductibles, exclusions and policy conditions.
Accurate project estimated contract value (ECV) including materials, labor, and design fees
Soil testing, flood inundation history, and site topography risk evaluation
Adequacy of Third-Party Liability limits and surrounding property sub-limits
Need more clarity? Send us your requirement and our team can help explore the next step.
Ask our teamCAR insurance covers civil engineering works during construction against almost all accidental physical damage, including fire, storm, collapse, earth movement, and third-party liabilities, subject to standard exclusions.
Yes. Standard CAR policies can be structured to cover the principal owner, main contractor, and all registered subcontractors under a single unified policy.
It extends coverage for 12 to 24 months post-completion during the Defects Liability Period (DLP), covering damage arising during rectification works.
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