Agriculture Insurance
Cover for crops, livestock and greenhouses — including weather-index cover that pays out when drought or excess rain hits.
- Crop & livestock
- Weather-index cover
- Agribusiness assets
All Services
Specialized Covers
Contractors All Risk
One Policy for the Full Build
Every construction project — from a residential apartment block in Kilimani to a highway upgrade — carries risks that a standard property policy won't touch. Contractors All Risk (CAR) is a project-specific policy that covers works, materials, plant, third-party liability and delay in start-up from day one of the build to handover.
What's Covered
Coverage that pays out when it matters
Every contractors all risk policy we place includes the following as standard. Optional extensions are available depending on your risk profile.
- Physical loss or damage to works
- Materials on site or in transit
- Contractor's plant, tools and equipment
- Third-party liability (bodily injury and property damage)
- Cross-liability between contractors and sub-contractors
- Advance loss of profits (optional)
- Extended maintenance period cover
Who It's For
Built for people like you
Main contractors and sub-contractors
Property developers
Engineering firms
Government infrastructure projects
FAQ
Quick answers
When should I buy CAR cover?+
Before breaking ground. Many project owners and financiers require CAR as a condition of the contract — waiting until construction has started creates gaps in cover.
Is professional indemnity for the designer included?+
No — CAR covers physical works. Design errors require a separate professional indemnity policy for the architect or engineer.
You may also need
Other specialized covers we arrange
WIBA — Work Injury Benefits
Statutory cover for employee injuries, disability and medical expenses — keeping your business compliant with the WIBA Act.
- WIBA Act compliant
- Medical & compensation
- Fast onboarding
Professional Indemnity
For consultants, engineers, doctors and advisors — protection against claims of negligence, errors or bad advice.
- Consultants & advisors
- Legal defence
- Regulatory compliance
Get covered today
Ready to get covered? A quote takes 5 minutes.
Independent advice, arranged by people who pick up the phone.