This offers comprehensive and adequate protection against loss or damage in respect of the contract works which could be any building or civil engineering project under construction, construction plant and equipment and /or construction machinery (the policy applies  whether the insured items are at work, at rest, dismantled, overhauled or re-erected), as well as against third party claims in respect of property damage or bodily injury arising and in connection with the execution of a civil engineering project.

The most important causes of losses indemnified under CAR insurance are Fire, lightning, explosion, and flood, and inundation, windstorms of any kind, earthquake, theft, burglary, and bad workmanship, lack of skill, negligence, malicious acts or human error.