Engineering insurance
Engineering insurance covers building and erection works on site against all sudden physical damage unless specifically excluded. It can be extended to the contractor's liability to third parties, and some insurers offer a separate decennial liability policy for after handover. Contractors, subcontractors, developers and project owners in Qatar need it, and many project contracts require it. At Al Bayan we request offers from several insurers licensed by Qatar Central Bank, review the contract's insurance requirements with you, arrange the policy and follow up claims with the insurer.
In QatarArticle 711 of the Qatar Civil Code (Law No. 22 of 2004) holds contractors and architects jointly liable for 10 years for total or partial collapse of buildings and fixed structures.
- Offers from several licensed insurers, clearly explained
- We match cover to your contract's insurance clauses
- Cover from site start to end of maintenance
- We follow claims with the insurer and adjuster
Cover at a glance
- Contractors' all risks (CAR) for works and materials on site
- Erection all risks (EAR) for plant and machinery during erection and testing
- Third-party liability for injury and property damage around the site (policy dependent)
- Maintenance period after handover (policy dependent)
- Contractor's plant and equipment on site (policy dependent)
- Debris removal after an insured loss (policy dependent)
Cover
What is covered
- Contractors' all risks (CAR) for works and materials on site
- Erection all risks (EAR) for plant and machinery during erection and testing
- Third-party liability for injury and property damage around the site (policy dependent)
- Maintenance period after handover (policy dependent)
- Contractor's plant and equipment on site (policy dependent)
- Debris removal after an insured loss (policy dependent)
What is not covered
- Cost of putting right faulty design, materials or workmanship itself (unless extended)
- Wear and tear, corrosion and rust
- Loss during total or partial stoppage of work, unless agreed
- Delay penalties and contractual losses
- Internal mechanical or electrical breakdown of contractor's plant
For information only. Final terms and conditions are set by the policy document issued by the insurer.
How to make a claim
Documents you'll need for each type of claim:
Damage to works on site
- Policy number or a copy of the policy
- Copy of the company's commercial registration (CR)
- Site engineer's report on the cause of damage
- Clear photos of the damage
- Invoices or repair estimates
Third-party claim
- Policy number or a copy of the policy
- The third party's claim letter
- Site incident report and police report, if any
- Clear photos of the damage
Theft of materials or plant from site
- Policy number or a copy of the policy
- Police report
- List of lost or damaged items with estimated values
- Delivery notes or purchase invoices for the stolen items
Need to make a claim?
Frequently asked questions
Who arranges the CAR policy, the owner or the contractor?
The contract decides. Usually the main contractor arranges it in the joint names of the owner, contractor and subcontractors, and sometimes the owner arranges it. Send us the insurance clause and we will explain what is needed.
What is the difference between CAR and EAR?
CAR suits construction works such as buildings, roads and bridges. EAR suits installing machinery, equipment and plants, and usually includes the testing period.
Does a CAR policy cover decennial liability?
No. A CAR policy usually ends with handover and the maintenance period. Decennial liability needs a separate policy that some insurers offer, and we request offers and explain their terms.
What if the project runs late?
Tell us before the policy ends and we will ask the insurer to extend it. The insurer may ask for updated project details before agreeing.