Construction Insurance Advisory
Expert guidance on CAR/EAR insurance, professional indemnity, and project-specific coverage for international construction projects in emerging markets.
Coverage Types We Advise On
Comprehensive construction insurance solutions tailored to your project requirements.
Contractors All Risks (CAR)
Comprehensive coverage for civil engineering and building construction projects, protecting against physical loss or damage during the construction phase.
- Contract works coverage
- Third-party liability
- Materials and equipment
- Natural catastrophe perils
Erection All Risks (EAR)
Specialized coverage for machinery and plant installation projects, including mechanical, electrical, and structural steel erection.
- Erection phase coverage
- Testing and commissioning
- Surrounding property protection
- Transit coverage options
Professional Indemnity (PI)
Protection for architects, engineers, and design professionals against claims arising from professional negligence or errors in design.
- Design error coverage
- Professional negligence
- Contractual liability
- Cross-border protection
Delay in Start-Up (DSU/ALOP)
Coverage for financial losses when projects are delayed due to insured physical damage, protecting revenue streams and financing costs.
- Gross profit protection
- Interest and financing costs
- Fixed costs coverage
- Extended maintenance period
Project Types We Cover
From infrastructure mega-projects to industrial facilities, we advise on insurance for diverse construction endeavors.
Infrastructure Projects
- Highways & bridges
- Tunnels
- Railways
- Ports & airports
Commercial Buildings
- Office complexes
- Shopping centers
- Hotels & resorts
- Residential towers
Energy & Power
- Power plants
- Solar & wind farms
- Transmission lines
- Substations
Industrial Facilities
- Data centers
- Manufacturing plants
- Warehouses
- Processing facilities
Emerging Markets Expertise
We specialize in construction insurance for projects in emerging markets where coverage can be challenging to obtain. Our deep understanding of local regulations, risks, and insurance markets ensures you get appropriate protection.
China, India, Vietnam, Indonesia, Philippines
UAE, Saudi Arabia, Egypt, Morocco
Kazakhstan, Uzbekistan, Azerbaijan, Georgia
Brazil, Mexico, Colombia, Peru, Chile
Kenya, Nigeria, South Africa, Ethiopia
Our Advisory Process
Insurance Gaps We Help You Avoid
Many construction companies face coverage gaps that can result in significant uninsured losses. We help identify and address these issues.
Inadequate Natural Catastrophe Coverage
Policies often have insufficient limits or high deductibles for earthquake, flood, or windstorm damage.
Defects Liability Period Gaps
Extended maintenance period coverage is frequently overlooked, leaving contractors exposed post-completion.
Subcontractor Coverage Confusion
Unclear whether subcontractor work is covered under the main policy or requires separate insurance.
Cross-Border Jurisdiction Issues
Policies may not respond properly when claims involve multiple jurisdictions or currencies.
Professional Indemnity Exclusions
CAR policies exclude design defects, but PI coverage may not align with project requirements.
Delay Costs Not Covered
DSU/ALOP coverage often omitted or underinsured, leaving financial losses unprotected.
Frequently Asked Questions
Common questions about construction insurance for international projects.
What is the difference between CAR and EAR insurance?
CAR (Contractors All Risks) covers civil engineering and building construction projects, while EAR (Erection All Risks) is designed for machinery installation and plant erection projects. EAR typically includes testing and commissioning coverage that is not standard in CAR policies.
Is CAR insurance mandatory for construction projects?
While not always legally mandatory, CAR insurance is typically required by project owners, financiers, and contract terms. Most international construction contracts (FIDIC, etc.) require adequate construction insurance to be in place.
What project sizes do you handle?
We advise on projects ranging from $10 million to over $1 billion. Through our partnership with Challenge Group, we have automatic capacity up to $10M and can arrange higher limits through the Lloyd's market.
Do you cover Belt and Road Initiative projects?
Yes, we have extensive experience with Belt and Road projects across Central Asia, Southeast Asia, and Africa. We understand the unique challenges of these projects and have access to appropriate coverage.
Get Expert Construction Insurance Advice
Schedule a consultation to discuss your project's insurance requirements. We provide independent, conflict-free advisory services.