Construction Projects and Constructor Liability Insurance (CAR)

Manage all the risks associated with the beginning of construction projects through a CAR insurance policy, which covers both the potential material damage, as well as the civil liability of the constructor and the loss of the estimated profit. Contact a Transilvania Broker agent for an offer personalised to the needs of your company and / or the type of project you are about to begin.

Asigurarea lucrarilor de constructii-montaj si raspunderea constructorului (CAR)


  • Depending on the insured company’s choice, the CAR insurance policy can cover up to three different types of damage: material damage, civil liability of the builder and the loss of the anticipated profit.

Covered Risks

Material damage which occurred in relation to:

  • Goods located on the premises of the construction site, mentioned in the insurance contract;
  • Contracted building works, which can be temporary or permanent, along with all the incorporated materials, including: the value of the contract, materials/other goods made available by the beneficiary of the project, according to the annexed specification;
  • Existing buildings, machinery/tools/equipment property of the beneficiary, according to the annexed specification;
  • Machinery/installations/equipment of the constructor or subcontractors, according to the annexed specification;
  • Necessary and reasonable expenses made in relation with the insured goods and generated by the occurrence of the insured events in order to limit the damage, save/conserve the insured goods, clean/remove the site rests, clear and clean the premises following the insured event; architect/engineering fees; emergency service intervention; overtime, nighttime work/legal holidays, express transportation of goods (materials / machinery / installations / equipment).

The civil liability of the insured company:

  • Compensatory fees which the constructor is obliged to pay to the prejudiced person/s following the occurrence of the insured events;
  • Legal fees supported by the prejudiced person towards fulfilling the legal formalities in order to oblige the policyholder to pay compensation, if the policyholder has been mandated to pay compensation by a definitive and irrevocable court order;
  • Legal fees supported by the policyholder in the civil process, established by law or by the court, if the policyholder has been obliged to pay compensation.

Loss of anticipated profit:

  • Within section III of the CAR policy, the policyholder/beneficiary will receive compensation in relation with the loss of effective gross profit supported as a result of turnover reduction and of additional expenses if the project or any part of it suffer damage covered by the Section I of the policy, causing perturbations of the workflow which result in delays in commencing the project or interruptions of the insured activity;
  • The policy also includes the financial losses incurred by the bank (in favour of which the policy was licensed) as a result of a delay in finalising the project.

Why should you take out your insurance
trough Transilvania Broker ?

There are multiple benefits of taking out policies with Transilvania Broker, you will be saving time and money, benefiting from the wide range of services, products and offers available on the market.

  • The fair evaluation of risks for a personalised quote.

    We will offer you consultancy in correctly evaluating all the necessary risks, so you will be certain that they will be covered by your insurance policy.

  • The best quotes from multiple insurance companies.

    Based on the requested policies, you will receive quotes from multiple insurance partners that work with Transilvania Broker.

  • Consultancy in choosing the right insurance policy.

    Taking your needs and wants into account, we will present you with a wide range of offers from our partners, together with the benefits, insurance conditions and covered risks of each insurance company, so you can make the best choice in buying your policy.

  • Claims support

    In case of an unwanted event, we will help you avoid any problems that may appear when resolving your claim file with the insurance company.

Oferta de asigurare Transilvania Broker

Over 20 Transilvania Broker partners

Over 20 insurance companies are working with us in order to deliver the most complex solutions at the best prices, covering all the risks you need.

See all partners

Request an offer immediately

Complete the form on the right with your information to receive a personalised insurance offer. A Transilvania Broker agent will contact you as soon as possible, from 8:00 to 18:00.

Other types of insurance

Financial Loss by Business Interruption Insurance (BI)

Financial Loss by Business Interruption Insurance (BI)

Covers the damage caused by business interruption triggered by damage or destruction of the insured goods.
Agricultural Crops Insurance

Agricultural Crops Insurance

Agricultural crops insurance covers the damage caused to crops and animals by natural phenomena.
Insurance in case of Insolvency/Bankruptcy of Tourism Agencies

Insurance in case of Insolvency/Bankruptcy of Tourism Agencies

Tourism insurance compensates the clients of the policyholder in case it does not fulfill the tourism services contract.
Transport Intermediaries Liability Insurance (CMR)

Transport Intermediaries Liability Insurance (CMR)

The CMR policy is necessary to obtain orders and it covers the transporter’s liability in Romania and abroad.
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