Construction & Contractors All-Risk Insurance
Cover the works, the materials, the machinery and the people around your site — from ground-breaking to handover.
We compare 9+ of Kenya's top insurers so you get the best cover at the lowest price.
Contractors' all-risk (CAR) insurance covers a construction project against physical loss or damage to the works, materials on site and construction plant, and includes third-party liability for injury or damage caused by site activity. It runs from site possession to practical completion, often with a maintenance period.
Why you need it
A storm floods the excavation. A wall collapses onto a neighbour's boundary. Materials walk off site overnight. Construction concentrates enormous value in an exposed, changing environment — and most construction contracts make someone contractually responsible for insuring it.
We arrange contractors' all-risk sized to your contract value, with the extensions that matter on Kenyan sites — surrounding property, existing structures, plant and equipment, escalation, and the maintenance period your contract specifies. Bonds for the same tender? We arrange bid and performance bonds too, under one roof.
What's covered
The works
Physical loss or damage to the contract works and materials on site, from site possession to handover.
Plant & machinery
Owned and hired construction plant, tools and equipment.
Third-party liability
Injury or property damage to neighbours and the public arising from site operations.
Maintenance period
Defects-liability period cover where the contract requires it.
Who this is for
- Main contractors required by contract to insure the works
- Developers building on their own account
- Subcontractors with plant and liability exposure
- Homeowners commissioning a significant build or renovation
Why arrange it through Naveah Capital?
Property risk is priced very differently from one insurer to the next — construction type, occupancy and claims record all move the premium. As an independent, IRA-licensed broker we place your risk where the terms are strongest across 9+ of Kenya's leading insurers, set sums insured at true reinstatement value so claims pay in full, and manage every claim from notification to settlement. It costs you nothing extra, and it's how our clients reach a 97% claims success rate.
Frequently asked questions
Who should take out the CAR policy?
Whoever the construction contract makes responsible — commonly the main contractor, sometimes the employer/developer. We read the insurance clause and place the cover so it matches the contract exactly.
Is neighbouring property covered if my works damage it?
Third-party liability covers damage to neighbours' property caused by site activity, and a surrounding-property extension covers adjacent structures you're working next to. Both matter on tight urban sites.
Can you also arrange the bonds for my tender?
Yes — bid bonds, performance bonds and advance-payment guarantees, arranged alongside your CAR cover so the whole tender package is handled once.
Ready to protect the asset?
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Farzana Sumra will personally contact you within the hour with your best options.
IRA Licensed
KSB Member
Reviews 4.9
97% Claims Success
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