BusinessContractors All
Contractors All
Risks Insurance
Covering the Insured against any unforeseen and sudden physical loss or damage from any cause other than those specifically excluded in the policy, together with third-party liability arising from construction activities.
Key policy terms
The terms that shape your cover.
Contractors All Risks is written per project. The values below follow the source document; the works, contract period, employer and contractor are recorded in the issued schedule rather than fixed for the product.
Project details
The works, contract period, employer and contractor are as stated in your policy schedule.
Maintenance / defects period
12 months.
Excess
Section 1: 10% of claim amount, minimum Ushs. 5,000,000 for all other claims; 10% of claim amount, minimum Ushs. 20,000,000 for Acts of God. Section 2: Nil.
Quotation validity
Valid for 30 days from the date hereof.
Additional protection stated in the document.
All twenty-two extensions below are retained from the source document, ordered by the groups set out in the information architecture. Their operation remains subject to the issued policy wording.
Existing property
Limit Ushs. 20,000,000Material on site
Construction material
MRE 109
Temporary works
Ushs. 50,000,000Contractors plant, machinery & equipment
Per MRE 108 — breakdown, if not insured under a CPM policy
Underground cables, pipes and other facilities
MRE 102
Debris removal
Limit Ushs. 50,000,000Construction time schedule
MRE 005 — 4 weeks
72 hours clause
Overtime, night work, public holidays & express freight
Expediting / freight costs
Limit Ushs. 10,000,000Professional fees
5% of contract valueLocal authorities requirements clause
Limit Ushs. 10,000,000Fire fighting charges
Limit Ushs. 10,000,000Claims preparation costs
Limit Ushs. 10,000,000Cross liability
Riot, strike & civil commotion, flood, earthquake, malicious damage
Per MRE 001
Maintenance / defects liability period
12 months
Automatic reinstatement of sum insured
Serial losses
Safety measures
MRE 110
Watchman warranty
24 hours
Main exclusions
What is not covered.
Every exclusion below is retained from the source document. The complete issued policy wording remains the final reference.
Consequential loss of any kind, including penalties, losses due to delay, lack of performance and loss of contract
Faulty design, defective material or casting, and bad workmanship other than faults in erection
Wear and tear, corrosion, oxidation and deterioration
Mechanical and electrical breakdown or derangement to construction plant, failure, freezing of coolant, defective lubrication or lack of oil
Files, drawings, accounts, bills, currency, stamps, deeds, securities, cheques and packing materials
Loss or damage to steam boilers and pressure vessels caused by their own explosion
Loss discovered only at the time of taking an inventory
War, related perils and terrorism
Nuclear risks
Wilful act or wilful negligence
Vehicles licensed for road use, waterborne vessels or aircraft
Damage caused by vibration, or by removal or weakening of support to any land, building or structure
Injury to employees of the Insured or the Principal, which is workers compensation
Accidents caused by licensed road vehicles, waterborne vessels or aircraft, and traffic related claims
Project claims guide
When it matters, we’re here.
These steps are general website guidance only; the issued policy’s claims requirements remain the final reference.
- 01
Report the incident
Notify us as soon as practicable and take reasonable steps to prevent further loss.
- 02
Submit documents
Share the incident details, site records, invoices and supporting evidence.
- 03
Assessment and cover review
We assess the claim against the policy terms and advise the next steps.
- 04
Repair or settlement
We work to resolve the claim promptly under the policy terms.
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Third Party Liability
Protects the insured against third-party injury and property damage.
Learn More
Group Personal Accident
Cover for death, disability, or accidents from sudden physical damage.
Learn More
Motor Insurance
Cover against accidental loss, theft, and damage to your vehicle.
Learn More
