CONTRACTOR’S ALL RISKS INSURANCE

CONTRACTOR’S
ALL RISKS

Our comprehensive coverage helps protect property owners, contractors, and subcontractors against unexpected physical loss or damage during construction, helping safeguard your investment and keep projects on track.

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WHY CHOOSE OUR

CONTRACTOR’S ALL RISKS?

Every construction delay costs money. By fully securing your total contract works, heavy machinery, and raw materials against sudden physical damage, we prevent unexpected repair bills from draining your cash flow or stalling your timelines, keeping your project highly profitable.

Accidents happen, but they shouldn't ruin your business. We protect your company's financial health and public reputation by completely absorbing the costs of accidental third-party injuries, surrounding property damage, and expensive legal defense fees so you can focus on building.

Land major developers and high-tier projects effortlessly. This policy fulfills your strict construction contract obligations anywhere in Cambodia, giving you an immediate competitive edge and giving project owners total confidence to choose you.

EXPLORE YOUR COVERAGES & BENEFITS

SECTION 1 : PROPERTY DAMAGE
Unforeseen and sudden physical loss or damage necessitating repair or replacement for: Contract Works Permanent works, materials, labor, freight, duties, and taxes. Free Issue Materials Materials or items supplied directly by the Principal/Employer. Construction Plant, Equipment & Machinery Heavy machinery and tools (at work, at rest, or in transit). Removal of Debris Costs of site clearance following a valid claim. Professional Fees Architectural and engineering fees to rectify damage.	Full Value at Completion: For Contract Works Must include the full final value of the project (inclusive of materials, wages, freight, customs duties, and principal-supplied items). For Plant & Machinery Full brand-new replacement value of the same kind and capacity.	As specified in your Schedule: The first fixed amount of the total value of the incurred expense for which the insured person or entity is responsible per occurrence.
SECTION 2 : THIRD-PARTY LIABILITY
Amounts the Insured becomes legally liable to pay as damages consequent upon: Bodily Injury Accidental bodily injury or illness of third parties (whether fatal or not) occurring in direct connection with the project. Property Damage Accidental loss of or damage to property belonging to third parties. Legal Costs All litigation costs recovered by any claimant, plus defense expenses incurred with our written consent.	Stated explicitly in your Policy Schedule as: Limit of liability for any one Accident. Total limit of liability in the Aggregate during the policy period.	As specified in your Schedule: Applies to each and every third-party property or bodily injury claim event arising from a single occurrence.
EXTENDED BENEFITS: EXTENDED LIFECYCLE FRAMEWORK
Continuous structural cover moving beyond the static job site boundaries: Transit Cover Road or rail transit anywhere within Cambodia, including up to 14 days of incidental storage. Operational Window Activates immediately when construction begins or equipment is unloaded. Maintenance & Defects Window Covers damage from a defect originating prior to this period, or caused by the contractor while executing maintenance obligations.	Tied into Main Limits: Seamlessly incorporated within the capital limits already established under Section 1 and Section 2 of your primary policy schedule.	Main Excess Applies: Subject to the standard deductible framework specified for Section 1 or Section 2, depending on the nature of the damage.

SECTION 1 : PROPERTY DAMAGE

Coverage

SUM INSURED

DEDUCTIBLE

Unforeseen and sudden physical loss or damage necessitating repair or replacement for:

Contract Works
Permanent works, materials, labor, freight, duties, and taxes.
Free Issue Materials
Materials or items supplied directly by the Principal/Employer.
Construction Plant, Equipment & Machinery
Heavy machinery and tools (at work, at rest, or in transit).
Removal of Debris
Costs of site clearance following a valid claim.
Professional Fees
Architectural and engineering fees to rectify damage.

Full Value at Completion:

For Contract Works
Must include the full final value of the project (inclusive of materials, wages, freight, customs duties, and principal-supplied items).
For Plant & Machinery
Full brand-new replacement value of the same kind and capacity.

As specified in your Schedule:

The first fixed amount of the total value of the incurred expense for which the insured person or entity is responsible per occurrence.

SECTION 2 : THIRD-PARTY LIABILITY

Amounts the Insured becomes legally liable to pay as damages consequent upon:

Bodily Injury
Accidental bodily injury or illness of third parties (whether fatal or not) occurring in direct connection with the project.
Property Damage
Accidental loss of or damage to property belonging to third parties.
Legal Costs
All litigation costs recovered by any claimant, plus defense expenses incurred with our written consent.

Stated explicitly in your Policy Schedule as:

Limit of liability for any one Accident.
Total limit of liability in the Aggregate during the policy period.

As specified in your Schedule:

Applies to each and every third-party property or bodily injury claim event arising from a single occurrence.

EXTENDED BENEFITS: EXTENDED LIFECYCLE FRAMEWORK

Continuous structural cover moving beyond the static job site boundaries:

Transit Cover
Road or rail transit anywhere within Cambodia, including up to 14 days of incidental storage.
Operational Window
Activates immediately when construction begins or equipment is unloaded.
Maintenance & Defects Window
Covers damage from a defect originating prior to this period, or caused by the contractor while executing maintenance obligations.

Tied into Main Limits:

Seamlessly incorporated within the capital limits already established under Section 1 and Section 2 of your primary policy schedule.

Main Excess Applies:

Subject to the standard deductible framework specified for Section 1 or Section 2, depending on the nature of the damage.

Smart Business Move

This policy automatically shifts from a provisional estimate to your final asset value upon project completion, allowing us to adjust your premiums fairly and keep your overhead low!

Need extra security?

Easily upgrade your coverage to protect against Floods, Typhoons, or Theft with our tailored add-on endorsements.

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CONTRACTOR’S ALL RISKS INSURANCE

CONTRACTOR’S
ALL RISKS

WHY CHOOSE OUR

CONTRACTOR’S ALL RISKS?

MAXIMIZE YOUR PROJECT PROFITS

SAFEGUARD YOUR BUSINESS REPUTATION

WIN MORE CONTRACTS WITH PREMIUM COMPLIANCE

EXPLORE YOUR COVERAGES & BENEFITS

Smart Business Move

Need extra security?