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Project Risk

Protect your project from groundbreaking to handover

Construction and engineering projects carry real risk, from bad weather and accidents to theft, faulty workmanship, and third-party claims. Project risk insurance protects your investment so that one unexpected event doesn’t derail your timeline or your finances. At ICOVER4U, we assess your project and match you with cover from our insurance and takaful partners, whether it’s a small renovation or a large-scale development.

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Choose the level of cover that suits you

Compare your options and pick the protection that fits

Contractor's All Risks (CAR)

Covers physical loss or damage to the works, materials, and site during construction.

Erection All Risks (EAR)

Covers installation of machinery, plant, and steel structures, including testing and commissioning.

Third-Party Liability

Covers claims for injury or property damage to others caused by your project activities.

Contractor's Plant & Equipment

Covers your machinery and equipment against damage, theft, and other loss, on site or in transit.

Extend your cover

Maintenance period cover

Professional indemnity for design and engineering work

Goods in transit to site

Delay in start-up

Employer's liability and workers' coverage

Debris removal and professional fees

Get This Insurance

Real protection, real peace of mind

Why staying covered makes all the difference

20 years of experience

We understand contractor and engineering risks

Tailored to your project

Matched to your contract value, timeline & site conditions

Trusted insurer network

Options from established insurance and takaful operators

Claims support

We guide you through documentation and follow-up

Built for every kind of traveller

Main contractors

Subcontractors

Engineers and consultants

Property developers

Project owners

Not by general law, but it's often required by project owners, lenders, or contract terms. Check your contract conditions early.

Before construction or installation begins. Cover generally can't be backdated to losses that already happened.

It depends on your contract. Some contracts require the main contractor to arrange it, others the project owner. We can help you clarify who should take it up.

CAR is designed for civil and building works. EAR is designed for installing machinery and steel structures. Some projects need both.

Usually the total contract value, including materials and labour. Under-insuring can reduce your claim payout.

Not by default. Delay in start-up cover is an optional extension, and it's worth discussing if your project income depends on the schedule.

Yes, Shariah-compliant takaful options are available through our partners.

Frequently Asked Questions
(FAQ)