Contractors All Risk Insurance for Road & Bridges on Land

Contractors all risk insurance for road and bridges on land provides coverage for the loss or damage caused to the machinery and other equipment that are to be used in the construction work. Apart from this the insurance plan also covers construction plant during the construction of the road and bridges. Construction all risk insurance provides coverage for the third-party liability claims for bodily injury and property damage.

₹1 Lakh cover starting at ₹590/month⁺

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third-party injury

unforeseen site damages

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Types of Roads and Bridges Sub-categories

There are 3 sub categories under Roads and Bridges. They are as follows:

RCC and Pre-stressed concrete
Steel
Other materials

*The project period varies from 1 month to 24 months

Contractors All Risk Insurance for Road and Bridges: Inclusions

Contractors all risk policy for Road and Bridges covers the following perils:

Damages caused by fire or lightning
Damages caused due to riots or strikes
Loss or damage caused due to tempest, floods, inundation, storm, etc.
Loss due to theft or burglary
Loss or damage caused due to collision, collapse, impact
Loss or damage caused due to rockslide, landslide or subsidence

Contractors All Risk Insurance for Road and Bridges: Exclusions

Contractors all risk policy for Road and Bridges does not provide coverage for the following perils:

If the work is stopped for a short duration or totally
No coverage is provided for defective material
Faulty design leading to any kind of loss
Inventory loss
Any kind of regular wear and tear
Consequential loss
Loss caused during any kind of war
Any loss or damage caused due to willful act or negligence
Loss or damage caused due to radioactive contamination, nuclear radiation or reaction

Contractors All Risk Insurance for Road and Bridges: Add-ons

Here are the add-ons that come along with contractors all risk insurance for road and bridges:

Terrorism
Earthquake
Contractor’s plant and machinery
Removal of debris
Maintenance visit or extended maintenance
Surrounding property damage
Coverage for scaffolding, shutter material, etc.

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FAQs

Ques 1: Why is contractor all risk insurance required?

Ans: This insurance policy provides coverage to the policyholder against any physical damage caused during the construction of any building, road, bridge, etc. be it any machine or equipment that is to be used in the construction.
Ques 2: Will the insurer provide coverage for loss or damage caused due to the fault in design of the road or bridge?

Ans: No, the insurer will not provide coverage for loss or damage caused due to the fault in design of the road and bridge.
Ques 3: Does the contractor all risk insurance provide coverage for the loss or damage of the construction material?

Ans: Yes, contractor all risk insurance does provide coverage for loss or damage of the construction material from the moment they are unloaded at the construction site.
Ques 4: Does the contractor all risk insurance provide cover for the damage caused due to earthquake?

Ans: Yes, contractor all risk insurance provide cover for the damage caused due to earthquake but the insured will have to purchase an add-on for this cover.

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