Contractors All Risks

Tokio Marine HCC employs a team of underwriters across the United Kingdom that provides unrivaled levels of service and expertise. We write standalone primary and excess liability and primary Contractors All Risks business from our regional offices and in London. We provide cover for risks located in the United Kingdom and Republic of Ireland.


  • CAR limits up to £5 million
  • Cover for damage to permanent and temporary works and declared free issue materials, whilst on site and whilst in transit to and from site
  • Cover for owned and hired in plant and machinery
  • Cover for employees' tools
  • Local empowered underwriters
  • Tokio Marine HCC is part of Tokio Marine, a premier global company

Best For

  • Small and medium sized companies with a turnover up to £5 million
  • Contractors with design exposure
  • Low risk contractors – builders, electricians, painters / decorators
  • Specialist affinity group schemes with bespoke policy wordings

Summary of Coverage

  • The contract works include both the permanent works including unfixed materials and the temporary works on site anywhere in the United Kingdom including transit while in the course of construction until handed over by the contractor to the principal or employer on practical completion.
  • Cover includes professional fees and debris removal.
  • Key exclusions include mechanical breakdown, penalties for delay and liquidated damages, directional drilling and existing structures.

Why Tokio Marine HCC?

Tokio Marine HCC is a leading specialty insurance group with offices in the United States, Mexico, the United Kingdom and Europe, transacting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance. Our products and capabilities set the standard for the industry, and many of our almost 3,000 employees are industry-leading experts. Each of our highly entrepreneurial businesses are equipped to underwrite special situations, companies and individuals, and acts autonomously to deliver effective solutions. 
financial strength

Our financial strength ensures our clients will always be protected.

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holistic portfolio

Our holistic portfolio of products includes more than 100 classes of specialty insurance

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Tokio marine

Tokio Marine HCC is part of Tokio Marine, a $37 billion company

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