Property and Asset Insurance

This policy protects physical structures, infrastructure, and built-up facilities against damage or loss due to fire, natural disasters, or vandalism.

• Standard fire and perils policy covers buildings, electrical systems, roads, and fencing
  
• Can be extended to include flood, earthquake, and storm protection
  
• Ideal during both construction and operational phases

Liability and Third-Party Insurance

This covers legal liabilities arising from accidents, injuries, or damage caused to third parties on or around the property.

• Public liability insurance protects against injury claims from workers, visitors, or contractors
  
• Employer’s liability (if applicable) covers on-site incidents involving staff or laborers
  
• Required for operational compliance in most jurisdictions

Construction and Project Risk Insurance

During the development phase, this protects the project from delays or damages to materials, equipment, and works in progress.

• Contractor’s all-risk (CAR) insurance covers construction damage, theft, or collapse
  
• Can include machinery breakdown and material transit coverage