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Zurich Group's construction team provides tailored insurance solutions and risk engineering services for major construction projects and annual programs to many of the world’s largest contractors.

Construction All Risks (CAR)

Cover against unexpected material damage or loss on-site, including those experienced during transit or while in storage. Typically covers the principal or owner, the main contractor and subcontractors and some other parties to the extent of their direct activities on site. Our insurance can be arranged for projects in Australia and New Zealand, and other countries where local interest exists.

Erection All Risks (EAR)

Cover against unexpected physical damage to the contract works of projects predominantly consisting of the assembly or installation of machinery, plant, equipment and steel structures. This includes material damage to the building works and in some cases the mobile equipment used to perform the works.

Delay in Start Up (DSU), Advance Consequential Loss (ACL) or Advance Loss of Profits (ALoP)

Covers owners against financial losses incurred as a result of delay in completing a project due to material damage loss covered under the CAR or EAR policies outlined above. The financial losses could range from additional financial costs, standing charges to full gross profits. The cover can be tailored to reflect the different financial interests involved in the project.


Annual Construction Policies

Cover as per CAR or EAR policies for smaller projects with similar characteristics on an annual renewable policy. The type, size, duration, geographical location of the projects to be insured are defined in advance as well as the way the policy will operate.

Construction Third Party (Public) Liability

For third party personal injury or property damage as a result of negligence associated with works being undertaken.

How to apply

We sell Zurich Insurance through independent insurance brokers so you can be sure it's the right cover for your needs.

You can find a broker with the free needabroker service or call NIBA* on 1300 53 10 73  

*NIBA is the peak body for professional insurance brokers in Australia.