# CivilCovered

> Insurance for civil and construction contractors in South Africa. Support from enquiry to quote for contract works, plant, liability and guarantee enquiries. CivilCovered arranges insurance. It is not an insurer and does not underwrite insurance or issue guarantees.

Pages describe cover in general terms. They quote no insurance premiums, rates or policy limits. The full text of the insurance, guarantee, industry and resource pages is at https://civilcover.co.za/llms-full.txt.

## Key pages

- [Home](https://civilcover.co.za/): Insurance for civil and construction contractors in South Africa. Support from enquiry to quote for contract works, plant, liability and guarantee enquiries.
- [About](https://civilcover.co.za/about): How CivilCovered helps South African contractors review insurance requirements and arrange suitable cover. We arrange insurance; we are not an insurer.
- [Contact](https://civilcover.co.za/contact): Contact CivilCovered about contractor insurance, claims assistance or a construction guarantee enquiry. Use the short enquiry form or the contact options shown.
- [Get a quote](https://civilcover.co.za/quote): Start a quote enquiry for Contractors All Risk, public liability, plant insurance or a construction guarantee. A short multi-step form; an enquiry is not cover.
- [Claims assistance](https://civilcover.co.za/claims): How to request claims assistance and prepare supporting information after a construction insurance loss. Claims are assessed by the insurer, and acceptance is never promised.
- [Insurance](https://civilcover.co.za/insurance): Contractor insurance: Contractors All Risk, public liability, plant and equipment, employers’ liability, professional indemnity and special-risk cover.
- [Industries](https://civilcover.co.za/industries): Insurance considerations for twelve contractor types, from civil, building and earthmoving contractors to plant hire, subcontractors and structural steel.
- [Resources](https://civilcover.co.za/resources): Guides for South African contractors on CIDB grading, tenders, insurance after a contract award, guarantees, contract forms and claims. Search and filter by topic.

## Insurance

- [Contractors All Risk](https://civilcover.co.za/contractors-all-risk-insurance): Contractors All Risk (CAR) insurance, also called contract works insurance, for South African civil and building contractors: what it may cover and what to discuss.
- [Goods in transit](https://civilcover.co.za/goods-in-transit-insurance): Goods in transit insurance for construction materials and equipment moved by road in South Africa, and how it differs from contract works, plant and motor policies.
- [Sasria cover](https://civilcover.co.za/sasria-cover): What Sasria special-risk cover is, the risks it addresses, how it relates to standard construction policies, and what contractors should ask before relying on it.
- [Plant All Risk](https://civilcover.co.za/plant-all-risk-insurance): Plant All Risk insurance for excavators, loaders, rollers and other contractors’ plant in South Africa: what may be covered, valuation, theft conditions and quote information.
- [Hired-in plant](https://civilcover.co.za/hired-in-plant-insurance): Hired-in plant insurance for contractors who hire excavators, cranes and other equipment: hire agreement obligations, damage waivers, wet versus dry hire and what to ask.
- [Owned plant](https://civilcover.co.za/owned-plant-insurance): Insurance for a contractor’s owned plant portfolio: plant schedules, valuations, additions and disposals, finance interests and security. Subject to underwriting.
- [Tools and equipment](https://civilcover.co.za/construction-tools-equipment-insurance): Insurance for portable tools and smaller construction equipment in South Africa: theft from sites and vehicles, security conditions and tool registers.
- [Construction fleet](https://civilcover.co.za/construction-fleet-insurance): Insurance for vehicles used by construction businesses in South Africa: bakkies, tippers, low-beds and water tankers. Own damage, theft, liability and driver questions.
- [Public liability](https://civilcover.co.za/public-liability-insurance): Public liability insurance for South African contractors: third-party injury and property damage, underground services, subcontractors, limits of indemnity and what to ask.
- [Employers’ liability](https://civilcover.co.za/employers-liability-insurance): What employers’ liability insurance may address for South African contractors, how it relates to statutory obligations, and what to ask before relying on it.
- [Professional indemnity](https://civilcover.co.za/contractors-professional-indemnity): Professional indemnity insurance for contractors who give advice, design or supervise: claims-made cover, retroactive dates, contractual liability and what to ask.
- [Design and construct](https://civilcover.co.za/design-and-construct-insurance): Insurance considerations for design-and-construct contracts: design liability, fitness for purpose, subcontracted designers and coordinating the covers.

## Construction guarantees

- [Construction guarantees](https://civilcover.co.za/construction-guarantees): How construction guarantees work in South Africa, the main types and what a guarantee provider assesses. Placement is subject to the provider’s approval.
- [Performance guarantees](https://civilcover.co.za/performance-guarantees): What a performance guarantee is, how it differs from insurance, wording and expiry issues, repayment obligations and the assessment process. Subject to the issuer’s approval.
- [Advance payment guarantees](https://civilcover.co.za/advance-payment-guarantees): What an advance payment guarantee secures, how it relates to recovery of the advance through payment certificates, and the points to check before you accept an advance.
- [Retention guarantees](https://civilcover.co.za/retention-guarantees): How retention guarantees may replace cash retention where a contract allows it and the employer accepts: cash-flow effects, obligations and the questions to ask first.
- [Bid bonds](https://civilcover.co.za/bid-bonds): What a bid bond is, when tender documents require bid security, what to check in the wording and validity period, and why availability depends on the guarantee provider.

## Industries

- [Civil contractors](https://civilcover.co.za/industries/civil-contractors): Insurance for civil contractors: contract works, public liability, plant, guarantees and the contract insurance clauses that apply to roads, drainage and earthworks.
- [Building contractors](https://civilcover.co.za/industries/building-contractors): Insurance considerations for building contractors: contract works, adjoining property, materials on site, JBCC insurance clauses, subcontractors and defects periods.
- [Earthmoving contractors](https://civilcover.co.za/industries/earthmoving-contractors): Insurance considerations for earthmoving contractors: plant valuation, theft and security, hired-in machines, transit on low-beds, underground services and ground stability.
- [Road construction contractors](https://civilcover.co.za/industries/road-construction-contractors): Insurance considerations for road construction contractors: working near traffic, plant operations, materials and asphalt, weather, pollution and contract requirements.
- [Paving contractors](https://civilcover.co.za/industries/paving-contractors): Insurance considerations for paving contractors: tools and small plant, vehicles, damage to existing surfaces and services, materials in transit and many small contracts.
- [Drainage and sewer contractors](https://civilcover.co.za/industries/drainage-sewer-contractors): Insurance considerations for drainage, stormwater and sewer contractors: excavation near existing underground services, trench collapse, flooding, pollution and subsidence.
- [Pipeline contractors](https://civilcover.co.za/industries/pipeline-contractors): Insurance considerations for pipeline contractors: linear projects, pipe storage and transit, crossings, landowners, testing and commissioning, and specialist underwriting.
- [Demolition contractors](https://civilcover.co.za/industries/demolition-contractors): Insurance for demolition contractors: surrounding property, vibration, dust, hazardous materials and the specialist underwriting these activities often attract.
- [Concrete contractors](https://civilcover.co.za/industries/concrete-contractors): Insurance considerations for concrete contractors: formwork and falsework, pumps and mixers, defective pours, spillage and slurry, and delivery to site.
- [Plant hire businesses](https://civilcover.co.za/industries/plant-hire-businesses): Insurance considerations for plant hire businesses: ownership, hire terms, damage waivers, wet hire, theft, valuation and what hirers are required to insure.
- [Construction subcontractors](https://civilcover.co.za/industries/construction-subcontractors): Insurance for subcontractors: main contract flow-down requirements, inclusion in the main contractor’s policy, tools, liability limits and evidence of cover.
- [Structural steel contractors](https://civilcover.co.za/industries/structural-steel-contractors): Insurance for structural steel contractors: fabrication and erection, cranes, hot work, overspray, transit of long loads, temporary stability and design responsibility.

## Resources

- [What is the CIDB? Grading, grades and grading table](https://civilcover.co.za/resources/cidb-grading): What the CIDB is, what CIDB grades 1 to 9 mean, how a grading designation such as 6CE is written, and the CIDB grading table, with sources checked against the CIDB website.
- [CIDB registration documents: preparing your information](https://civilcover.co.za/resources/cidb-registration-documents): A practical guide to preparing information for CIDB contractor registration or an upgrade: track record, financial statements and supporting documents, with sources.
- [CIDB joint ventures: grading and insurance](https://civilcover.co.za/resources/cidb-joint-ventures): How joint ventures are approached under CIDB grading, what the CIDB says about lead partners, and the insurance and guarantee questions joint ventures raise.
- [How to get construction tenders in South Africa](https://civilcover.co.za/resources/how-to-get-construction-tenders): Practical guidance on finding and preparing construction tenders: where they are published, what to have ready, a compliant bid, and insurance and security.
- [Construction tender document checklist](https://civilcover.co.za/resources/construction-tender-document-checklist): A construction tender document checklist that separates commonly requested company documents from contract-specific returnable documents, with notes on validity and insurance.
- [Insurance after winning a tender: what to prepare](https://civilcover.co.za/resources/insurance-after-winning-a-tender): What to do about insurance after a contract award: reading the contract’s insurance clauses, listing required covers and evidence, timing, and what to send your broker.
- [Construction insurance checklist for contractors](https://civilcover.co.za/resources/construction-insurance-checklist): A construction insurance checklist for a broker conversation: project details, contract requirements, covers, plant, subcontractors and comparing quotations.
- [What affects the cost of Contractors All Risk insurance](https://civilcover.co.za/resources/contractors-all-risk-insurance-cost): What affects Contractors All Risk pricing: contract value, type of work, duration, location, excess and claims history. We publish no premium rates.
- [Annual vs project-specific contractors’ insurance](https://civilcover.co.za/resources/annual-vs-project-contractors-insurance): Annual versus project-specific contractors’ insurance compared: how each is structured, when each may suit a South African contractor and what to check against the contract.
- [Contractors All Risk vs public liability](https://civilcover.co.za/resources/contractors-all-risk-vs-public-liability): The difference between Contractors All Risk and public liability insurance: first-party damage to the works versus third-party liability, and how the two may overlap.
- [What affects the cost of plant insurance](https://civilcover.co.za/resources/plant-insurance-cost): What affects plant insurance cost for contractors: valuation, equipment type and age, usage, location, security, operators, excess and claims record. No premium rates.
- [Hired-in plant: insurance responsibilities explained](https://civilcover.co.za/resources/hired-in-plant-insurance-responsibilities): Why contractors should review hire terms and insurance for hired-in plant: who bears risk, damage waivers, wet and dry hire, evidence of insurance and charges.
- [Documents needed for a construction insurance quote](https://civilcover.co.za/resources/construction-insurance-quote-documents): A practical guide to the documents and information needed for a construction insurance quote: project, contract, plant, business and claims information.
- [Performance guarantee application documents](https://civilcover.co.za/resources/performance-guarantee-application-documents): The kinds of information a guarantee provider may ask for when assessing a performance guarantee application. A general guide, not a universal issuer checklist.
- [Performance guarantee vs insurance explained](https://civilcover.co.za/resources/performance-guarantee-vs-insurance): The commercial difference between a performance guarantee and insurance, who benefits, who ultimately pays and the repayment obligations contractors accept.
- [JBCC insurance requirements: where to look](https://civilcover.co.za/resources/jbcc-insurance-requirements): How JBCC building agreements deal with insurance, and why your edition and contract data decide the requirements. Not a substitute for your own document.
- [NEC, FIDIC and GCC insurance considerations](https://civilcover.co.za/resources/nec-fidic-gcc-insurance-considerations): An overview of insurance considerations under NEC, FIDIC and GCC contracts, why requirements are not identical across forms, and how to check your own contract.
- [Latent defects explained for contractors](https://civilcover.co.za/resources/latent-defects-explained): What latent defects are, how they differ from patent defects, how liability may continue after the defects period and why insurance does not automatically cover them.
- [Construction insurance claims documents](https://civilcover.co.za/resources/construction-insurance-claims-documents): General guidance on preparing a construction insurance claim: what to do first, evidence to gather by type of loss, and why the insurer’s instructions always take priority.
- [Construction insurance FAQs for contractors](https://civilcover.co.za/resources/construction-insurance-faqs): Answers to common questions about construction insurance and guarantees for South African contractors, organised by cover and by stage.

## Optional

- [Privacy policy](https://civilcover.co.za/privacy-policy): How CivilCovered collects, uses, shares and protects personal information submitted through this website, and your rights under the Protection of Personal Information Act.
- [Website terms](https://civilcover.co.za/website-terms): The terms for using the CivilCovered website: its informational purpose, that an enquiry is not cover, third-party links, intellectual property and limits of liability.
- [Complaints procedure](https://civilcover.co.za/complaints-procedure): How to make a complaint to CivilCovered, what happens next, and where to escalate a complaint about us, an insurer or the handling of personal information.