Product
Materials on site get damaged. A crane incident delays the project. CAR/EAR covers the works from groundbreaking to handover.
You're halfway through a residential project when a storm floods the ground floor. $150,000 of completed works are damaged, materials stored on site are ruined, and the project timeline slips by six weeks. Construction insurance pays for all of it — the damaged works, the replacement materials, and the third-party claims if anyone else's property was affected.
CAR (Contractors' All Risks) and EAR (Erection All Risks) insurance provides project-specific coverage for construction and engineering works. It protects against physical loss or damage to the works, materials on site, materials in transit, and third-party liability — from groundbreaking through to completion and the maintenance period.
In Singapore, construction insurance is effectively a prerequisite for any project. BCA, HDB, and private developers all require it as a condition of contract. No CAR policy, no tender. It's that simple.
Coverage
Key areas of protection included under a typical Construction Insurance (CAR/EAR) policy.
The works under construction — if fire, storm, or collapse damages them, the materials and labour costs are covered
Cement, steel, timber, fittings — covered for loss or damage while they're sitting on your project site
Materials get damaged on the way to site? Covered for loss during transport
A crane drops a load near a public road. Piling work cracks a neighbour's wall. This covers the claim.
Your works damage the principal's existing building — the adjacent structure, the connected wing, the existing fit-out
Coverage continues during the defects liability period after you hand over the project
Demolishing, clearing, and disposing of debris after a covered loss — costs add up fast
Architects', engineers', and surveyors' fees for reinstating damaged works
Who Needs This
Main contractors. If you're running a construction project, you need CAR insurance. It covers the full value of the contract works — materials, labour, subcontractor work — against physical damage. Most construction contracts place the insurance obligation squarely on the main contractor.
Subcontractors. The main contractor's policy usually covers the whole project, but you may need your own coverage for equipment you bring to site, your portion of the works, and your third-party liability. Some main contractors require it.
Developers and project owners. You have a financial interest in the works. Being named as co-insured on the contractor's CAR policy protects that interest. Alternatively, you can arrange a project-wide policy yourself for tighter control.
Engineering and M&E contractors. Installing machinery, mechanical and electrical systems, or structural steelwork? EAR coverage protects against the unique risks of erection and commissioning that standard property insurance doesn't touch.
Related Industries
Why TRS
We've done this before. We structure CAR/EAR policies to match your exact contract requirements — right insured parties, coverage period, maintenance period, and liability limits. From HDB BTO projects to private commercial developments, we know what works.
Tender-ready, fast. Need a Certificate of Insurance for a tender submission? We prepare and issue COIs quickly so you can submit on time. No chasing, no delays.
Annual policies for active contractors. Running multiple projects? We structure annual open-cover policies that automatically cover new jobs as they start — saving you time and typically reducing your per-project premium.
FAQ
Free, no-obligation quotes from multiple insurers. Most quotes delivered within 24 hours.