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Home / For Businesses / Contractor's All RiskConstruction & Engineering

Every project.
Every risk. Covered.

Contractor's All Risk (CAR) insurance is mandatory for most construction contracts in Guyana. One site incident without it can wipe out years of profit and expose you to unlimited personal liability.

What CAR Covers

From groundbreak
to final handover.

A Contractor's All Risk policy covers the construction project itself — including the works, plant, equipment, and third-party liability — from first day on site to final handover.

  • Damage to the works — material damage section
  • Construction plant and equipment
  • Third party bodily injury and property damage
  • Existing structures (where included in contract)
  • Testing and commissioning period
  • Maintenance period after handover
  • Design risk (where applicable)
Pre-Start Checklist

Before you
break ground.

01

Review Contract Requirements

Check the insurance clauses in your contract. Limits, additional insureds, and endorsements must match exactly.

02

Value the Works Correctly

Underinsuring is the most common CAR mistake. We help you calculate the correct sum insured.

03

Include All Parties

Principal, main contractor, and subcontractors often all need to be noted on the policy.

04

Get Your COI Before Work Starts

Your Certificate of Insurance must be in hand before work begins. We turn this around the same day for straightforward projects.

Who Needs CAR?

If you build it,
you need to insure it.

CAR insurance is mandatory for most construction contracts in Guyana.

🏗

Building Contractors

Residential, commercial, and industrial construction of all scales — including renovation and fit-out work.

Get Covered →

Civil Engineering

Roads, bridges, drainage, and infrastructure projects where damage or third-party liability can be significant.

Get Covered →
🔌

M&E Contractors

Mechanical and electrical installation works — including industrial plant, pipework, and specialist equipment.

Get Covered →
🛒

Energy Sector

Upstream and downstream construction, installation, and maintenance in Guyana's growing energy sector.

Oil & Gas →
🏠

Property Developers

Development projects from groundwork to final handover, including the period awaiting occupation.

Get Covered →
👓

Specialist Contractors

Demolition, piling, specialist installation, and high-risk construction activities requiring bespoke CAR coverage.

Get Covered →
Start Right. Stay Protected.

Don't break ground
without CAR coverage.

Get a CAR assessment from our specialist team. We match your contract requirements to the right policy.