Contractors all risk insurance

The ‘risk-ready’ construction insurance.

We understand that managing a construction project comes with unique risks, from damage to materials to potential accidents on-site. That’s why we’ve been offering Contractors All Risk insurance solutions since 1985 to give you peace of mind and protect your project from start to finish.

Whether you’re a contractor, subcontractor, or property owner, our tailored Contractors All Risk policies cover all aspects of your project, helping you stay on track no matter what challenges arise.

We understand that managing a construction project comes with unique risks, from damage to materials to potential accidents on-site. That’s why we’ve been offering Contractors All Risk insurance solutions since 1985 to give you peace of mind and protect your project from start to finish.

Whether you’re a contractor, subcontractor, or property owner, our tailored Contractors All Risk policies cover all aspects of your project, helping you stay on track no matter what challenges arise.

Do I need Contractors All Risk Insurance?

Construction projects are complex, and unexpected events can disrupt progress and cause costly delays, even with careful planning.

Contractors All Risk insurance provides the financial protection your project needs, covering a wide range of risks that could affect both the worksite and the construction process.

Our Contractors All Risk insurance solutions cover:
  • Damage to buildings under construction
  • Theft or damage to materials and equipment
  • Liability for third-party injury or property damage
  • Financial protection against project delays due to insured risks
  • Tailored Coverage for Your Project

What we offer

Every construction project is different, and that’s why we offer fully customised Contractors All Risk policies to meet the unique requirements of your site. Whether you’re working on a small renovation project or a large-scale development, our team will help you build the right coverage to protect your investment.

Material Damage
Covers loss or damage to construction materials and equipment, whether on-site or in transit.
Third-Party Liability
Protects against legal claims for injury or damage caused to third parties during the course of construction.
Contract Works
Ensures the project is covered for any damage or destruction to the works in progress, ensuring the project can continue without financial setbacks.

Why Choose Masbro?

Expert Support

With four decades of experience, Masbro is Gibraltar’s trusted insurance broker, offering tailored Contractors All Risk insurance solutions backed by expert advice and support.

Flexible Coverage

We know that no two projects are alike, so we tailor each policy to cover the specific risks faced by your site, ensuring you’re protected throughout the construction process.

Competitive Rates

Insurance shouldn’t break the bank. We provide value-for-money insurance solutions that offer comprehensive coverage at competitive rates. Our team works hard to ensure you’re always getting the best deal.

Expert Support

With four decades of experience, Masbro is Gibraltar’s trusted insurance broker, offering tailored Contractors All Risk insurance solutions backed by expert advice and support.

Flexible Coverage

We know that no two projects are alike, so we tailor each policy to cover the specific risks faced by your site, ensuring you’re protected throughout the construction process.

Competitive Rates

Insurance shouldn’t break the bank. We provide value-for-money insurance solutions that offer comprehensive coverage at competitive rates. Our team works hard to ensure you’re always getting the best deal.

Commonly Solved Questions

What does Contractors All Risk insurance cover?

Contractors All Risk insurance covers a wide range of construction-related risks, including damage to the project under construction, theft of materials, third-party liability, and financial losses due to project delays caused by insured risks.

Is Contractors All Risk insurance mandatory for construction projects?

While Contractors All Risk insurance is not always legally required, it is highly recommended for contractors and property owners to protect against the significant financial risks associated with construction projects. Many project contracts may also require it to comply with legal or contractual obligations.

Who needs Contractors All Risk insurance?

Contractors All Risk insurance is essential for contractors, subcontractors, and property developers involved in construction or renovation projects. It covers all parties with an insurable interest in the project, offering financial protection from the start of the project to completion.

What is the difference between Contractors All Risk insurance and public liability insurance?

While public liability insurance covers legal claims for injury or damage to third parties caused by your business operations, Contractors All Risk insurance specifically covers risks associated with the construction project itself, including damage to the works and materials, as well as third-party liability on-site.

Can I include subcontractors in my Contractors All Risk insurance?

Yes, our Contractors All Risk policies can be customised to include subcontractors working on your project. This ensures that everyone involved in the construction process is covered under the same policy, reducing the risk of gaps in coverage.

How long does Contractors All Risk insurance cover a project?

Contractors All Risk insurance covers your project from the commencement of works until completion. If there are delays or extensions to the project timeline, you can adjust your policy to ensure coverage is maintained throughout the entire construction period.

How do I make a claim under my Contractors All Risk insurance?

In the event of a claim, contact our team immediately via phone or email. We’ll guide you through the claims process, ensuring that your claim is handled quickly and efficiently to minimise disruption to your project.

Can I combine Contractors All Risk insurance with other types of coverage?

Yes, many businesses choose to bundle Contractors All Risk insurance with other policies such as employer’s liability, public liability, or professional indemnity insurance. This provides comprehensive protection for all aspects of your operations and can often result in cost savings.

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