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Dissecting the Construction Insurance Coverage

A Practical Workshop to Understand the
C.A.R / E.A.R Policy - Coverage and Claims

Course Options

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Need a tailored solution or group booking discount? Contact our course advisors.

Why Choose Us

This Dissecting the Construction Insurance Coverage Training Course provides a structured and practical approach to understanding Construction Insurance Coverage and the application of C.A.R / E.A.R Insurance Training Course principles across real-world projects. Construction environments involve complex and high-impact risks such as fire, collapse, flooding, theft, and unforeseen site incidents. This training course equips participants with the technical clarity needed to interpret policy terms, evaluate exclusions, and understand how coverage responds throughout the lifecycle of building, infrastructure, and refurbishment projects.

Participants will gain a deeper understanding of how Construction All Risks (C.A.R.) and Erection All Risks (E.A.R.) policies function as risk transfer mechanisms. The course also explains key extensions such as Advanced Loss of Profit (ALOP) / Delay in Start-Up (DSU) and War Risk coverage, ensuring professionals are aware of critical protections required before project commencement.

Through detailed analysis of policy documentation, including schedules, proposal forms, and wording structures, participants develop the ability to interpret insurance contracts with confidence. Practical case studies and real-life scenarios further enhance learning by demonstrating how insurers, brokers, and underwriters approach claims and risk evaluation. The inclusion of emerging topics such as Parametric Insurance strengthens participants’ ability to manage modern construction risks effectively.

Why Choose Dissecting the Construction Insurance Coverage
Course Goals

What are the Goals?

The Dissecting the Construction Insurance Coverage Course is designed to enhance understanding of construction insurance fundamentals, policy interpretation, and claims assessment in a structured and practical manner. The training course ensures participants gain both technical and contextual knowledge of C.A.R. and E.A.R. policies, their operative clauses, exclusions, and the principles that guide how insurers respond to incidents onsite.

By the end of this training course, participants will be able to:

  • Understand the fundamental principles and concepts that govern construction insurance
  • Analyse how C.A.R. and E.A.R. policies operate as risk-transfer mechanisms
  • Apply policy clauses, endorsements, and exclusions to practical construction scenarios
  • Identify how insurers assess claims and determine policy response
  • Interpret the meaning and impact of key terms such as Sum Insured, Limit of Liability, and Period of Cover
  • Evaluate underwriting concerns and how they influence pricing, coverage, and acceptance
  • Recognise the relationship between project risk, contractor obligations, and insurance documentation

Who is this Training Course for?

This Dissecting the Construction Insurance Coverage Training Course is ideal for professionals dealing with construction insurance from underwriting, claims, project, or risk-management perspectives. It provides essential insight for both technical and non-technical personnel who need a deeper understanding of how insurance supports construction and infrastructure developments. The course addresses intermediate-level concepts while remaining accessible to those transitioning into construction insurance responsibilities.

This training course will greatly benefit:

  • Senior Executives and Managers from insurance companies, brokers, reinsurers, and loss adjusting firms
  • Engineers, Quantity Surveyors, Building Surveyors, Architects, and Consultants involved in construction projects
  • Finance, legal, and commercial professionals working with contractors, builders, developers, and utilities
  • Lawyers, para-legals, and regulators dealing with construction-related liabilities and compliance matters
  • Project personnel involved in risk evaluation, contract drafting, and claims reporting
Learning Approach

How will this Training Course be Presented?

This Dissecting the Construction Insurance Coverage Training Course uses interactive, activity-based learning to ensure a practical and engaging learning experience. The delivery approach combines technical instruction with real case studies, allowing participants to understand how policy terms function in real-world situations. The course emphasises hands-on interpretation of policy documents, comparisons of regional wordings, and discussions on best practices for negotiating effective coverage.

Training delivery will include:

  • Facilitated group discussions to reinforce key insurance concepts
  • Case studies featuring real construction incidents and applied solutions
  • Role-play sessions that simulate underwriting, claims handling, and risk evaluations
  • Technical analysis of C.A.R. and E.A.R. policy wording, endorsements, and exclusions
  • Interactive exercises designed to strengthen practical understanding of coverage and claims

The Course Content

Introduction and Contractual Aspects of Projects

  • On-going and Upcoming Projects in the region
  • The need for insurance
  • Projects Contract Administration
  • Conditions of Contracts (FIDIC etc.)
  • The insurance industry and the Role of the Regulator
  • Principles of Insurance

Policy Coverage

  • How the CAR policy is arranged?
  • Munich Re standard wording and formats in various regions
  • The difference with the EAR policy
  • The policy sections (I & II) and coverage
  • Section III (ALOP) coverage and its application
  • Period of cover, General Exclusions and Policy Conditions
  • War Extension and PVT cover – parametric Insurance

Section I (Material Damage)

  • Operative clause
  • Sum Insured
  • Exclusions
  • Basis of loss settlement
  • Design coverage - DE 3 and related options
  • Extension of cover – overtime, express freight

Section II (Third Party Liability)

  • Who are third parties?
  • Limit of liability
  • Special Exclusions
  • Special conditions
  • Interesting clauses and endorsements
  • Role of Loss Adjusters

Underwriting of Risks and Claims Handling

  • What are underwriters concerns?
  • Risk management
  • Claims handling
  • Loss control survey
  • Ex-gratia payments
  • Case studies and Worked examples
Recognition

Certificate

  • • AZTech Certificate of Completion for delegates who attend and complete the training course.
Collaborations

In Partnership With

Copex Coventry

Frequently Asked Questions

Absolutely. AZTech offers customised in-house training where this course can be tailored to your organisation's specific needs, objectives, and industry context. Please contact us directly to discuss your requirements.

Yes. This Dissecting the Construction Insurance Coverage is offered in a classroom setting across multiple international locations as well as in a live online format, giving participants the flexibility to choose the option that best suits their schedule and learning preference.

AZTech courses are conducted in carefully selected 5-star hotels or 4-star premium hotels in the host city, featuring fully equipped, professional training rooms. Participants will enjoy coffee breaks and snacks throughout the day, as well as a complimentary lunch provided after each training session.

This Dissecting the Construction Insurance Coverage training course is designed for professionals at all levels who wish to enhance their knowledge and skills in this subject area. It is suitable for managers, team leaders, specialists, and anyone looking to advance their career and professional development.

AZTech provides round-the-clock support to assist you with any enquiries. You can reach our team 24/7 by phone at +971 50 195 5668, by email at [email protected], or by visiting our website at www.aztechtraining.com. Our dedicated training consultants are always on hand to help you with course selection, registration, scheduling, and any other questions you may have.

There are no formal prerequisites for this Dissecting the Construction Insurance Coverage course. It is open to all professionals regardless of their background or experience level, though a basic understanding of the subject area may be beneficial.

AZTech courses are delivered using a highly interactive and practical methodology, combining presentations, group discussions, real-world case studies, exercises, and workshops to ensure participants can immediately apply what they have learned in their professional environment.

Yes. Participants who successfully complete the course will receive an AZTech Certificate of Completion. This course may also be eligible for Training credits, which will be indicated in the course details.

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