The 60-second version
Contractors all risk insurance covers physical loss or damage to works during construction — IRDAI-mandated policy for builders, fit-out contractors, and infrastructure projects.
CAR covers works on site — EAR covers machinery erection
Contractors all risk (CAR) policy covers physical loss or damage to the construction works, materials on site, and temporary structures during the project period.
Returning NRIs taking civil contracts or villa fit-outs must buy CAR before breaking ground — principal often mandates cover in contract.
Erection lane: erection all risk guide for plant and machinery installation projects.
Construction insurance lanes
| Policy | Covers | Project type |
|---|---|---|
| CAR | Works + materials on site | Building / fit-out |
| EAR | Machinery erection | Plant installation |
| CGL | Third-party injury | Public liability rider |
| MBD | Machinery breakdown | Post-commissioning |
CAR purchase sequence
Project value
Contract sum insured.
Get quotes
3+ IRDAI insurers.
Add TPL rider
Third-party liability.
Policy issue
Named contractor + principal.
Claim protocol
Surveyour contact on loss.
Cover loop
CAR kit
- Contract copy.
- BOQ / estimate.
- Site address.
- Policy schedule.
- Surveyor contact.
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Principal mandate
Many villa and commercial contracts require CAR certificate before advance payment — buy before first draw.
Quick visual
Animated decision map
Community signal
What to watch in real discussions
Search community threads for the exact phrase, then treat repeated complaints as risk signals rather than official advice.
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Turn this guide into a decision file
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vs EAR?
CAR is civil works; EAR is machinery erection and testing.
vs contractor liability?
CAR covers works damage; liability covers injury to third parties.
GST on premium?
18% GST on insurance premium.
Extension?
Notify insurer if project exceeds original completion date.
Sub-contractor?
Named insured can include sub-contractors via endorsement.
Claim docs?
Photos, FIR if theft, and surveyor report for damage claim.
The plan is only as good as the sequence.
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