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Contractors All Risk Insurance

A Contractors All Risks (CAR) insurance policy provides protection to contractors for their construction sites or projects. The policy can provide 3 sections of cover, Contract Works, Own Plant & Hired in Plant.

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Contract Works

Contract works cover is a type of insurance that provides coverage for physical loss or damage to the works you are undertaking for a client during its period of construction. At the point of completion and handover to your client you will no longer be responsible and the cover will end. The policy does not provide cover for existing structures.

Hired in Plant

Hired in Plant insurance is a type of insurance policy that provides coverage for construction equipment, machinery, and tools that a company has hired or rented from a third party. This type of insurance is designed to protect the contractor or construction company from financial losses if the hired-in equipment is damaged, stolen, or lost.

It is worth noting that the responsibility for insuring the hired-in equipment may be with either the hiring or the renting party, depending on the terms of the contract between the parties.


Each policy may have different terms and conditions, exclusions, and limits, depending on the specific needs and risks of your company and the work you are undertaking. We recommend that you speak to one of our experienced advisers to make sure that you have the correct cover in place.

Engineers at work
Cutting steel

Own Plant

Own Plant insurance is designed to protect your plant and machinery from damage, loss, or theft while they are being used on construction sites, in transit to and from job sites or while stored at your premises.

Secure your Contractors All Risks (CAR) Insurance Policy with 1st UK Broking today!

  • Why use 1st UK Broking?
    1st UK Broking have experience in the commercial and fleet insurance market. Our team is full of knowledgeable staff, and they want to find a policy that is individually tailored to you. It is important to us that we find you a policy that is suited to your needs, as this is something we take pride in.
  • How much does commercial insurance cost?
    Unfortunately there is no set answer to this, there are many factors involved in pricing up a commercial insurance policy. This depends on what sort of insurance you need, and the level of cover you need, as well as other factors. Just rest assured that no matter what type of insurance you need, our team at 1st UK Broking will strive to find a policy which is suited to you and your business.
  • Is commercial insurance a legal requirement?
    Every business has different requirements, depending on how many employees and the size of your business. Speak to our team at 1st UK Broking today, to see how we can help you and your business.
  • Why use a specialist broker?
    A specialist broker, such as ourselves will understand the needs of the client and will be experienced and knowledgeable in the market. This means we can pair you with an insurance provider and a policy that is suited to your needs.

Get a quote for Contractors All Risks (CAR) insurance.

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