Contractor All Risks cover is issued to projects that involve civil engine works. Materials are mainly concrete, stone and sand. Construction is mainly on site. This policy can be extended to cover maintenance period but not testing risk while Erection All Risks cover is issued to projects that involve machinery/ equipment manufactured in factory and assembled on site. Materials are mainly steel/ metal, this policy can be extended to cover testing.

No, contractors are required to take Work Injury Benefits Act cover for their employees to insure them against injury or death while at work. This is a statutory requirement.

No, penalties, losses due to delay, lack of performance or loss of contract is not covered. Contractor may in addition to this policy take a Performance Bond which will guarantee against lack of performance.