C.A.R. – Contractor’S All Risks

Comprehensive protection for construction and civil engineering projects.
“Every construction begins with a vision —
EIS Broker guarantees that nothing will stop it.”

Overview
A Contractor’s All Risks (C.A.R.) Policy provides comprehensive insurance coverage for construction works against material damage, natural events, and third-party liability.
It protects the contractor, project owner, and subcontractors against losses or damages occurring during the execution of civil engineering and building works.
From site preparation to final delivery, EIS Broker’s C.A.R. solutions are tailored to meet contractual, financial, and technical requirements of both public and private construction projects.
“Your projects deserve protection as solid as the foundations you build.”

Coverage Scope
• Material damage to works, machinery, and materials on site;
• Fire, explosion, theft, or natural disasters (flood, storm, earthquake);
• Third-party liability for property damage or bodily injury;
• Damage during maintenance or testing phases;
• Debris removal, additional costs, and professional fees. Optional extensions include:
• Surrounding property damage;
• Cross-liability between subcontractors;
• Consequential loss coverage;
• Employer’s liability.
“A single policy covering every risk, every stage, every stakeholder.”

Regulatory Framework
C.A.R. policies distributed through EIS Broker comply with:
• Italian Civil Code (Articles 1655–1677) – Construction contracts;
• Legislative Decree 36/2023 – Public Contracts Code;
• EU Directive 2014/24/EU – Public procurement;
• IVASS Regulation No. 40/2018 – Insurance intermediation and compliance. All insurance partners are IVASS-authorized and rated for financial stability and claims performance.

Who It’s For
• General contractors and construction companies;
• Developers and project owners;
• Public entities and concessionaires;
• Subcontractors and engineering firms involved in site execution.
“From blueprint to handover — continuous protection for every stakeholder.”

Vantaggi con EIS Broker
• Polizze C.A.R. conformi ai capitolati pubblici e privati;
• Emissione rapida e consulenza specialistica;
• Possibilità di estensione a opere civili e industriali;
• Assistenza nella gestione sinistri e nella revisione contrattuale;
• Compagnie assicurative di primario livello, vigilate IVASS.
“Con EIS Broker, il rischio di costruire diventa un’opportunità di costruire sicuri.”

Key Benefits
• Full protection for works and third-party risks;
• Mandatory coverage for many public tenders and private contracts;
• Flexible terms and customizable limits;
• Immediate compliance with contractual guarantees;
• Fast claims handling and risk engineering support.
“Build with confidence — we handle the risk.”

Documents Required
To request a C.A.R. quotation, please provide:
• Project description and technical specifications;
• Total contract value (€);
• Duration of works;
• List of insured parties (contractor, owner, subcontractors);
• Location and environmental context;
• Completed EIS Broker Application Form.

Request a C.A.R. Quotation
(Your request will be securely sent to ba********@*******er.it)