Contractors All Risks

What is Contractors All Risks (CAR) Insurance

Contractors All Risks insurance is property insurance for any building or civil engineering project.

  • Cover on site during construction period and, if required, during maintenance period (Section I)
  • Legal liability to third parties can be included (Section II)
  • Principal’s loss of profits can be included (Section III)
  • Project is exposed to risks beyond control of contractor

What’s covered

  • Fire, lightning, explosion, extinguishing water or other fire fighting measures
  • Flood, inundation, rain, snow, avalanche, tsunami
  • Windstorm of any kind
  • Earthquake, subsidence, landslide, rockslide
  • Burglary
  • Lack of skill, negligence, malicious acts or human error

What’s not covered

  • War and War like risks
  • Nuclear Risks
  • Gross negligence of Insured
  • Cessation of work, total or partial
  • Deductible
  • Consequential losses
  • Faulty design
  • Defective material and or workmanship
  • Wear and tear, etc.
  • Files, drawings, etc.
  • Losses discovered at time of taking inventory
  • Vehicles licensed for general road use

What’s optional

Choose optional add-ons at an additional cost to create cover that suits you.

  • Political Violence and Terrorism: Cover against political violence and terrorism

Goldstar claim process

No matter what your worry is, we’re here to help
explain the process, assess your claim fairly
and minimize the disruption to you with a transparent claims process.
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How to make a claim

We have a number of options to help you make a 
claim quickly and effectively. Contact our dedicated claims team for advice on
an incident/claim.
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Why choose us ?

Goldstar Insurance was IFM’s Best Insurance
Company in Uganda (2015) and has over
 the years consistently maintained a Global A+ Credit Rating
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Other types of insurance cover

All Risks Insurance

The widest cover for properties against loss or damage caused by any accident or misfortune ………….

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Buglary Insurance

Provides compensation when a property suffers loss caused by theft when accompanied by forcible breaking into.

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Electronic Equipment Insurance

Cover your property against loss or damage caused by any accident or misfortune

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2016 Global Business Outlook Award

Best insurance company in Uganda

2015 International Finance Magazine Award

Best insurance company in Uganda

A+ Global Credit Rating Co

Your expert local insurance partner

Easy Claim

Easy claim procedures with no hassle

Save Your Money

Host of discounts – No claim bonus, Discount for Automobile

Instant Online Policy

Host of discounts – No claim bonus, Discount for Automobile.



How do I cover items that I take away from the home?
What is accidental damage cover?
Are items in my garage or shed covered?
I live in rental accommodation. Do I still need insurance?
What is an excess?


  • Ensure you declare a list of items to be insured under contents insurance including serial numbers, model, make and have the correct sum insured
  • Always keep valuables safely and locked out of site to protect against the risk of theft