Home/Insurance solutions/Road Insurance
INSURANCE · RISK · ADVISORY

Road Insurance.

Protection structured around real-world risk.

Tailored infrastructure insurance for highway, road construction, bridge and corridor projects covering contract works, third-party liability, and natural catastrophe perils.

Thoughtful advice. Clear options. Support through the policy journey.
Highway and expressway road infrastructure constructionGITVISHA · RISK ADVISORY
Risk, understood.Start with what matters
Cover that fitsSubject to policy terms
CRITICAL VULNERABILITIES & EXPOSURES

Real-world risks this policy is engineered to solve.

Commercial and personal risks rarely follow idealized assumptions. These are the critical financial pitfalls, claim traps, and operational vulnerabilities that proper policy structuring actively mitigates.

High-Impact Vulnerability01

Monsoon Washout & Sub-Base Scouring

Continuous torrential monsoon downpours washing away newly laid granular sub-base (GSB) or uncured bitumen layers.

Impact: Massive rework expenditure running into tens of lakhs and unrecoverable aggregate materials washed away.
Policy Solution: Civil road infrastructure policy covering flood, runoff, storm washout, and embankment collapse.
High-Impact Vulnerability02

Asphalt Paver & Heavy Roller Accidents

Compaction rollers, asphalt pavers, or bitumen tankers tipping down steep road embankments or catching fire.

Impact: Equipment write-offs and delayed paving milestones triggering contract breach penalties.
Policy Solution: Contractor's plant and equipment own-damage and third-party liability insurance.
High-Impact Vulnerability03

Advance Delay in Toll / Contract Startup (ALOP)

Major landslide, culvert failure, or bridge approach damage halting the scheduled commercial opening of the expressway.

Impact: Liquidated damages (LD) from project authorities and mounting debt service bank interest.
Policy Solution: Advance Loss of Profits (ALOP / Delay in Startup) cover protecting financial continuity.
UNDERSTAND YOUR OPTIONS

Protection begins with the right questions.

These are discussion points, not a promise that every risk is covered. Final cover depends on policy wording and insurer acceptance.

01

Contract Works (CAR/EAR) against unforeseen accidental

Contract Works (CAR/EAR) against unforeseen accidental damage

02

Earthwork, sub-base, bituminous paving and bridge

Earthwork, sub-base, bituminous paving and bridge structural works

03

Third-party bodily injury and property damage

Third-party bodily injury and property damage liabilities

04

Extended maintenance and defect liability period

Extended maintenance and defect liability period coverage

WHO IT MAY SUIT

Built around your real-world exposure.

The right structure starts with understanding your assets, operations, people and contractual responsibilities.

Highway, expressways and corridor civil EPC contractors
Infrastructure concessionaires and build-operate-transfer (BOT) operators
State road development corporations and municipal construction firms
BEFORE YOU CHOOSE

Details that make a difference.

Compare more than price. Review limits, deductibles, exclusions and policy conditions.

01

Contract stretch length (km), terrain profile and soil conditions

02

Monsoon, landslide, flood and natural catastrophe exposure limits

03

Construction plant, machinery (CPM) schedules and sub-contractor terms

GOOD TO KNOW

Questions, answered.

Need more clarity? Send us your requirement and our team can help explore the next step.

Ask our team
Can road construction projects of any scale be covered?

Yes, from local municipal arterial roads to major multi-lane national highways and expressway packages.

Does cover extend into the maintenance period?

Yes, maintenance period cover can be included to protect against liabilities arising during defect rectification.

LET’S TALK ABOUT YOUR RISK

Make your next decision with more clarity.

Tell us about your requirement. Your email application will open with the enquiry ready to send.

A conversation focused on your needs
Options subject to underwriting
Clear next steps, without pressure
Official brochure available for offline reference

Request a consultation

Fields marked * are required.

Your details are transmitted securely to our risk advisory team. We maintain strict confidentiality.