Contractors All Risks (CAR) / Erection All Risks Insurance (EAR)

Purpose of Cover

Our CAR / EAR insurance covers all types of building and civil engineering construction including, amongst others, residential housing (both individual homes and large estates), commercial development (such as office blocks, warehouses and shopping centres) and civil infrastructure (such as roads, dams, sewerage reticulation and pipelines)etc.  

The cover will indemnify the insured against the hazards which may threaten works whilst under construction or during the course of installation.

In addition, the cover can also be provided for electrical / mechanical installations and processing plants (sometimes called Erection All Risks).

Risk Profile of Losses

  • Accidental Damage
  • Explosion, Fire
  • Flood, Rain, Storm, Water
  • Subsidence, Landslip
  • Theft / Burglary
  • Windstorm
  • Electrical & Mechanical Breakdown

Causes of Loss

  • Elemental Perils
  • Human Error (negligence)
  • Operational Failure

Types of Policies

The Contract Works policy is an “all risks” form of indemnity catering for all risks except those which are specifically excluded.

Annual Policy

Ideal for contractors specialising in work of a similar nature and value


  • Housing
  • Electrical
  • Plumbing

 Specific Policy

Appropriate when insurance requirements need to be tailor-made


  • Mega Projects (Durban Stadium)
  • High risk projects (Dams)
  • Unusual construction methods and / or materials

Consort Technical Underwriting Managers (Pty) Ltd (Reg No 1999/003909/07) is an Authorised Financial Services Provider (FSP No 2273), is FAIS compliant and is underwritten by Lombard Insurance Company Limited (FSP No 1596). CONSORT TECHNICAL UNDERWRITERS © 2019. All rights reserved.