From groundbreaking to handover, every phase insured.
Contractors' All Risk, erection all risk, and project-specific coverage for construction projects of every scale.
Construction Insurance
Contractors' all-risk and project coverage
- Coverage
- CAR / EAR / DSU
- Contracts
- FIDIC, NEC compliant
- Period
- Mobilization to DLP
- Integration
- Marine cargo linked
Construction Insurance
Contractors' all-risk and project coverage
Construction Insurance provides Contractors' All Risk (CAR) and Erection All Risk (EAR) coverage for building and infrastructure projects. Works, materials, plant, and third-party liability are covered from site mobilization through defects liability periods.
From residential developments to industrial plants and infrastructure, our construction programs are structured around your contract requirements — FIDIC, NEC, or bespoke — with delay in start-up extensions available.
Coverage & Reach
Who It's For
Who Needs Construction Insurance?
Main contractors on commercial and infrastructure projects
Project owners and developers requiring owner-controlled programs
Subcontractors requiring specific trade coverage
EPC contractors delivering turnkey industrial facilities
Joint ventures on large-scale construction projects
Why It Matters
Key Benefits of Construction Insurance
Contractors' All Risk (CAR) coverage
Erection All Risk (EAR) for installations
Third-party liability included
Materials on site & in transit covered
Delay in start-up extensions
Defects liability period coverage
What's Included
Coverage Features & Capabilities
Contract Compliant
Policies structured to satisfy FIDIC, NEC, and employer insurance requirements.
DSU Coverage
Delay in Start-Up insurance protects against lost revenue from insured damage delays.
Testing & Commissioning
Coverage through hot testing, commissioning, and performance trials.
Marine Cargo Link
Integrated import cargo coverage for project equipment and materials.
Important Information
Standard Coverage Exclusions
The following are typically excluded from standard policies. Specific terms vary by placement.
- Faulty design (unless DE3/DE4 extension purchased)
- Wear and tear, corrosion, or gradual deterioration
- War, terrorism (unless endorsed), and nuclear risks
- Liquidated damages or penalty clauses
- Existing structures not declared in the schedule
How It Works
Your Path to Protection in 4 Steps
Contract Review
We review contract insurance clauses and identify required coverage.
Program Design
CAR/EAR structured with appropriate limits, deductibles, and extensions.
Placement
Coverage placed with construction specialist underwriters.
Project Support
Ongoing certificate issuance and claims support through completion.
Claims
How Claims Work
A clear, structured claims process designed for fast resolution.
Incident Report
Report damage within 7 days. For major structural events, notify immediately and secure the site for inspection.
Engineering Assessment
We appoint a specialist construction/engineering loss adjuster to assess structural damage, cause, and repair methodology.
Repair Scoping
The adjuster works with your engineers to scope repairs, determine costs, and assess any delay-in-start-up implications.
Settlement
Claims settled on repair cost basis. For total loss of a section, replacement value applies. DSU claims assessed on projected revenue loss.
The Thai Insurances Advantage
Why Choose Thai Insurances
We are a single accountable insurance partner combining deep market access, specialist underwriting, and global claims capability — so your coverage is engineered as a system, not assembled from fragments.
- Contract clause review ensuring full compliance
- DSU and ALOP extensions for revenue protection
- Integrated marine cargo for imported project equipment
- Claims engineers experienced in construction disputes
$4.2B+
Trade Value Protected
12,000+
Verifications Completed
87
Countries Covered
3,500+
Active Clients
Common Questions
Frequently Asked Questions
CAR covers civil construction works (buildings, roads, bridges). EAR covers erection and installation of machinery, plant, and steel structures. Combined projects use a CAR/EAR composite policy.
Explore Further
Related Services
Machinery Insurance
Machinery breakdown, electronic equipment, and contractor's plant coverage protecting production assets against mechanical and electrical failure.
Learn moreMarine Cargo Insurance
All-risk coverage for goods transported by sea, from port of loading to final destination, under Institute Cargo Clauses.
Learn moreCommercial Liability Insurance
Public liability, products liability, professional indemnity, and directors & officers coverage for comprehensive liability protection.
Learn moreSectors We Serve
Industries Covered
Learn More
From the Knowledge Hub
Ready to Secure Your Construction Insurance?
Get a tailored proposal within one business day. Our specialists will structure coverage, terms, and pricing around your specific operations.
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Business Hours
Monday – Friday: 8:30 – 18:00 (GMT+7)
Saturday: 9:00 – 13:00 (GMT+7)
24/7 claims hotline for policyholders
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