CAR/EAR project insurance for a single job or as an annual frame: the works, existing property and third-party damage – in one policy. Contractor liability and maintenance-period covers, aligned to tender requirements, in plain words.
🎮 Floor by Floor – every miss shaves a slice off your tower
One-off project insurance or an annual frame contract for your ongoing jobs – matching tender requirements.
Main contractor, subcontractor, designer – who is liable for what? We align the cover with the contractual chain.
Handover is not the end: cover for the maintenance and warranty period is a separate switch – don’t let it slip.
20 minutes by phone or video: your situation, your goals, your budget. Free of charge, with no obligation.
I collect offers from the relevant insurers and hand them over in a single, easy-to-read table – strengths and weaknesses included.
You decide, I handle the paperwork. If you have a question later or your situation changes, let me know – and when a claim comes, I help you get started.
During construction the emerging structure is the most vulnerable asset – CAR gives all-risk style protection for that period.
Read it →On a construction site damage rarely picks its victim – liability and insurance, however, follow the cast list.
Read it →Technical handover is not the end of risks, only their genre change – CAR gives way to warranty and operational covers.
Read it →For those running several projects a year, per-project contracting is costly and risky – but the open cover has rules too.
Read it →Plant is the contractor's capital – and construction sites lead the theft and breakage statistics. Cover here is an operations matter.
Read it →The hardest terrain is not the greenfield but the living house: residents, working offices, live services next to the work area.
Read it →CAR (Construction All Risks) is the all-risks cover for construction, EAR (Erection All Risks) for erection works – CAR is typical for building and civil works, EAR for technological installation.
For a few large projects, individual policies work; for a continuous flow of jobs, an annual frame is efficient – and with a frame, no job gets left out.
Both models exist; what matters is that every party in the chain (main contractor, subcontractors, designer) is covered and the tender requirement is met. We align it with the contracts.
After handover, maintenance cover can address damage caused during warranty visits or traced back to construction defects – a separate switch, to be requested up front.
Subcontractors can be included as insured parties in the CAR/EAR policy – clarifying claims within the chain. Liability boundaries are fixed in line with the contracts.
More aids – checklists and guides – on the Resources page.
Sanyi the site foreman and Vera see the build through – hard hat on, cover in place.
As an independent broker I make insurers compete for you – not the other way round. My advice costs you nothing.
epites.biz is the information and quote-request page of Emánuel Dávid Tukacs, independent insurance broker. As a broker I act on the client's behalf: I compare offers from several insurers, and the decision always rests with the client. My advice is free of charge to the client – the brokerage remuneration is paid by the insurer.
