We know that people engaged in engineering contracts or construction need certain specific insurance covers. This is due to the fact that their field is very specialized and a highly technical one. In other words, it is very important for them to get the right insurance cover for any project they work on.
Although we will mention below some of the essential insurance covers that a Contractor should have, we kindly request you to contact us for help and assistance with respect to your particular insurance requirements.

1. Contractors All Risks Policy, which is a specially designed policy covering almost all risks of property damage or loss that usually occur in construction sites and projects or are more related to construction activities. This cover is usually arranged for each project separately. It is suitable for people or organization working in the field of civil works contracting, construction, maintenance, material supply, cleaning, demolishing, etc.
   
   
2. Erection All Risks Policy which is very similar to the above policy. However, it is designed to cover risks or losses resulting from Erection, Testing and Commissioning of Machinery, Equipment, Pressure Vessels, Boilers, etc. In other words, it is usually arranged to cover losses resulting from erection and testing of pre-fabricated objects.
   
   
3. Contractors Plant & Machinery Insurance. As a contractor, you will undoubtedly agree that construction plant, machinery and equipment cost a lot of money. They are also exposed to quite a number of risks, especially when they are used or stored in a construction site.
   As a prudent contractor, owner or operator of such equipment you would, of course, think of how you can minimize your financial losses due to the above. This is why you need to go for insurance and this policy would provide you with the right cover and peace of mind.
   
   
4. Contractors Third Party Liability Insurance to cover your legal liability as a contractor to pay for any injuries, losses or damages to third party lives and properties, in the course of performance of your jobs under certain contracts.
   
   
5. Fire, Special Perils & Theft to cover your office premises, contents, furniture and equipment.
   
   
6. Property All Risks Cover providing more protection than the above policy for your office premises and other contents.
   
   
7. Cover against Special Risks such as Riots, Strikes Sabotage and Terrorism.
   
   
8. Fidelity Guarantee, protecting you from financial losses resulting from infidelity of employees or any embezzlement of money.
   
   
9. Workmen Compensation Cover for your employees and staff. This insurance covers your legal liability as an employer to pay compensations to any of your employees or staff if they were injured at work. Compensation is paid in accordance with local labor laws and jurisdiction.
   
   
10. Motor Insurance, whether Comprehensive or Third Party only, for your vehicles or motor cars.