Construction insurance
Site risks: CAR policies, liability, what's covered
By topic
What construction risk covers
A Contractor's All Risks (CAR) policy covers damage to the object from fire, natural disaster, material theft, erection errors. It insures the object, not liability.
Third-party liability
Separate coverage: damage to neighbors (settlement from excavation, falling structures), third-party injuries on site.
Cost & term
CAR ~0.1–0.5% of works value for the build term. Rare for private houses, standard for commercial objects and contractors.
Exclusions
Usually excluded: latent design defects, wear, errors in design documentation, fines, unpermitted works, pre-existing damage.
Warranty obligations
Contractor warranty repair isn't insurance: it's performed under contract. Insurance covers an event; warranty covers work defects.
Practical notes
For a private house the more real need is contractor liability and site property cover for fire/theft during works. Read exclusions about unattended materials on site.
Construction insurance doesn't replace technical supervision — it covers events, not quality. For a private house the keys are: contractor liability in the contract + property cover during works.
O Ubezpieczenie budowy — ryzyka placu
Ubezpieczenie budowy — ryzyka placu — Polisy CAR, odpowiedzialność cywilna, koszt, wyłączenia — co jest naprawdę objęte na budowie.. Budowa: kosztorys, instalacje, geologia, pozwolenia, budowa zimowa, odbiór, ubezpieczenie, terminy. Korzystaj z naszych narzędzi bez rejestracji i instalacji oprogramowania. Wszystkie obliczenia odbywają się w Twojej przeglądarce — Twoje dane nigdy nie są wysyłane na serwer.