Contractors All Risks

Contractors are often required by the terms of their contracts to have this insurance.  Cover is provided for: 

  • Material damage to contract works
  • All risks on machinery and plant
  • Third party liability arising out of performance of contract
  • Cover extends for period of contract plus maintenance period.
Underwriting Guidelines

  • Proposal form must be filled
  • All details must be provided regarding the nature of the contract e.g. location of site
  • Names of subcontractors
  • Details regarding engineers
  • Description of contract works
  • Expansion of contractors
  • Details regarding physical environment of site
  • Limits of indemnity

Claim Process

In the event of a claim the insured must inform Reliance Insurance immediately.  We then appoint an investigator depending on the size of the claim.


  • War and kindred risks
  • Nuclear risks
  • Willful negligence on the part of the insured
  • Cessation of work
  • Faulty design
  • Defective material
  • Wear and tear
  • Mechanical breakdown of construction plan
  • Vehicles licenced for road use
  • Loss or damage to documents relating to contract, including cash and cheques
  • Liability arising out of agreement