CAR & Engineering

There are two types of construction risks insurance. The first covers damage to property, for example, damage to buildings and other structures being constructed or to the existing building in which the construction is being carried out. The second covers liability for third party claims for injury and death or damage to third party property. Policies underwritten by ICE policies cover both.



  • Comprehensive liability insurance – professional indemnity, third party and environmental liability to cover professional advice, other peoples’ property or injury to the public.
  • Construction all risk insurance – tailored combined commercial property and catastrophic cover for international construction projects.
  • Insurance for your plant and machinery including political violence and terrorism workers compensation schemes to cover local and expat workers.
  • Personal accident insurance.

The principle is that contractors’ all risks insurance covers those losses not covered by an ‘excluded peril’. For example some contracts exclude from cover risks such as defects due to ‘wear and tear, obsolescence, deterioration, rust and mildew, loss and damage arising out of war and for faulty workmanship and faulty design’. The benefit to the insured under this type of policy is that the burden is shifted to the insurer who, to resist the claim, is required to show that the cause of the loss falls within an exclusion.

Engineering insurance can describe any of several types of insurance policies. The term “engineering insurance“ can describe any type of insurance policy related to the erection of buildings and construction projects, including the building and operation of machinery. Construction projects and engineering often involve the use of heavy machinery and equipment that can pose a threat to the health of workers; insurance can protect engineering businesses from having to pay for such injuries if they occur.

Engineering and construction companies must typically carry general liability insurance to protect against possible injuries that might occur as a result of engineering work. For example, if an engineer goes to a work site and accidentally damages the client’s property or injures a worker employed by the client, general liability insurance could pay for costs that arise as the result of a lawsuit.