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Contractors' and Erection All Risks

Physical loss or damage to works under construction or erection, plus third-party liability arising from the site.

Also calledContractors' All Risks · CAR · Erection All Risks · EAR

File/Claims library/Property and engineering/Fire and explosion

First thing, todayPhotograph the works before anything is cleared, and check whether the maintenance period has begun.

Three deadlines
  • Tell the insurer now, not after the assessment.
  • The fire brigade and the police told today. Their records are asked for months later and can only be made now.
  • Every document within the time the insurer asks for it.
A godown on fire
A godown on fire. An illustration.

When you would claim

  • Collapse, fire, flood or storm damage to the works
  • Theft of materials from site
  • Damage during testing and commissioning
  • Third-party injury or property damage around the site

What insurers most often rely on

  • Faulty design, workmanship or materials, which are commonly excluded or covered only in part
  • Loss during the maintenance period, which runs on different terms
  • Work outside the contract period or the extended period not endorsed
  • Sum insured based on the contract value rather than the completed value including escalation

Every one of those is answerable, and several are decided by what was done in the first two days rather than by anything argued later.

The documents

most of it exists already

11 items, and most of them exist somewhere in your own office already. Assemble them once and properly; a file sent in pieces takes three times as long to settle.

  • Claim form and the contract, including the bill of quantities
  • Site photographs before and after the loss
  • Site diary, daily progress report and weather records
  • Details of the stage of completion and value of work done
  • Purchase invoices for damaged materials
  • Consultant's or engineer's report on the cause
  • Reinstatement estimate
  • Any notice from the principal or the third party
  • Cancelled cheque and bank details in the insured's name, for the NEFT payment
  • Details of any other insurance covering the same risk
  • A claim bill: the amount claimed, itemised, with the working behind it
The timelineWhatever else you send, send a one-page timeline: loss, intimation, survey, documents sent, offer. More claims turn on the sequence of dates than on any single document.

Next

Fire Claim: The First 72 Hours, and what it shares with this

Read the fire playbook alongside this one. The first night is the same wherever it burned: nothing cleared, nothing scrapped, everything photographed before anybody tidies up for the surveyor.

Call 92514 56334

Check the sum insured

This cover carries an average clause. Declare less than the value at risk and every claim pays that proportion short, a partial loss exactly as much as a total one. Three numbers will tell you where you stand.

Filed under: Property and engineering · Fire and explosion

Claims that sit next to this one

the same premises, or the same event

Contractors' Plant and Machinery

the equipment, as against the works

Public Liability

the third party on a site you control

Employees' Compensation

the labour on that site

Had a fire and not sure where the claim stands? Report a loss or call 92514 56334.