Contractors All Risk Insurance for Interior Decoration

Contractors all risk insurance for interior decoration provides coverage for the unexpected damage caused to the material that is to be used in the interior decoration along with the designing equipment.

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₹1 Lakh cover starting at ₹590/month+
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third-party injury
unforeseen site damages
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Contractors All Risk Insurance for Interior Decoration: Inclusions

Contractors all risk insurance for interior decoration provides coverage for the following perils:

  • Loss or damage due to fire or lightning
  • Loss or damage because of strikes, riots, or any other malicious activity
  • Loss or damage because of tempest, inundation, flood, storm, etc.
  • In case of theft or burglary, the insurer will provide coverage
  • In case of collision, impact or collapse, the insurer will provide coverage
  • Loss or damage because of subsidence, rockslide or landslide

Contractors All Risk Insurance for Interior Decoration: Exclusions

Contractors all risk insurance for interior decoration does not provide coverage for the following perils:

  • If the work is stopped partially or permanently
  • Inventory losses will not be covered
  • Wear and tear will not be covered
  • Any consequential loss is not covered
  • Any kind of damage caused due to faulty design where the interior decoration is happening
  • Any kind of loss or damage caused due to poor or defective material
  • Damage caused during war or any other related perils
  • Willful negligence or misconduct of the insured that leads to any kind of loss or damage is not covered
  • Damage caused due to nuclear reaction, nuclear radiation or radioactive contamination

Contractors All Risk Insurance for Interior Decoration: Additional Coverage

In order to enhance the coverage of your insurance plan, you will have to purchase the below mentioned add-ons:

  • Earthquake
  • Surrounding property
  • Contractors plant and machinery
  • Third-party liability
  • Removal of debris
  • Construction equipment like scaffolding, shuttering material, etc.
  • Terrorism
  • Maintenance visit & extended maintenance

FAQs

  • Ques 1: if the workers doing interior decoration go on strike, will the insurer provide coverage for the loss to the contractors?

    Ans: No, the insurer will not provide coverage for the loss caused during the workers went on strike.

  • Ques 2: Will the regular wear and tear of the equipment or material being used in the interior decoration be covered under contractors all risk insurance?

    Ans: No, the insurer will not provide coverage for the regular wear and tear of the equipment or material that is being used in the interior decoration.

  • Ques 3: Will the burglary or theft of the construction material or equipment be covered under contractors all risk insurance?

    Ans: Yes, in case of theft or burglary of the construction material or equipment, the insurer will provide coverage for it.
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  • Disclaimers+

    +Premium may vary on the basis of business activity, type etc.
    +Disclaimer: The starting premium of ₹590 is for a 1-month project with ₹1 lakh Sum Insured, applicable to the occupancy 'Other sundry works for residential/commercial building' under TATA AIG in Delhi. The actual premium may vary based on occupancy type, insurer, add-ons, and location. Standard terms and conditions apply. Please refer to the sales brochure for complete details on risk factors, terms, and conditions before making a purchase.
    By clicking on "View Plans" you agree to receive assistance and agree to our Privacy Policy and Terms Of Use and also provide us a formal mandate to represent you to the insurer and communicate to you the grant of a cover.
    The details of insurance coverage, inclusions and exclusions are subject to change as per solutions offered by insurance providers. The content has been curated based on the general practices in the industry. Policybazaar is not responsible for the factual correctness of these details.

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