Engineering and construction insurance covers the risks that come with building, installing, and operating in the construction sector — from damage to works in progress and heavy machinery to third-party liability and equipment breakdown. At Polico Africa, we arrange these policies through our trusted insurer partners, ensuring every placement is accurate, compliant, and suited to the specific requirements of each project or contract.
Construction and engineering projects move fast and the insurance needs to keep pace. From contractors all risk cover on active construction sites to plant all risk for heavy machinery, every placement requires precision and real industry knowledge. Polico Africa has been arranging engineering and construction insurance across South Africa since 2005, supporting brokers who manage engineering portfolios and contractors who need the right cover in place for a tender or contract.
Our team handles the back-office so your brokerage can focus on your clients, ensuring:
Accurate Policy Placement: From contractors all risk (CAR) and plant all risk (PAR) to erection all risk (EAR) and machinery breakdown cover — every policy placed precisely and processed on time.
Claims Handling: Smooth, transparent claims support from first notification to final settlement, with full documentation management throughout.
Regulatory Compliance: Full FSCA, TCF, and POPIA compliance so your brokerage stays protected and audit-ready.
Back-Office Support: We handle the placement, endorsements, renewals, and claims so you can focus on growing your engineering portfolio
We specialise in a wide range of engineering insurance products, including:
Our precision and industry knowledge in engineering and construction insurance allow brokers to serve their clients confidently, knowing the back-office is in expert hands.
Whether you are a broker managing an engineering portfolio or a contractor who needs cover for a tender or contract, here is what working with Polico Africa looks like.
For brokers:
Time Savings: We handle placement, renewals, endorsements, and claims — your team stays focused on client relationships and growing the book.
Accurate Placements: Every engineering insurance policy placed correctly, reviewed for compliance, and managed to FSCA standards from day one.
Scalability: Whether you have five engineering clients or fifty, we handle the volume without adding to your overheads.
Back-Office Confidence: A reliable partner who understands construction and engineering risks — so nothing falls through the cracks.
For contractors:
Whether you are a broker looking to hand over the back-office or a contractor who needs the right engineering insurance in place quickly — get in touch. We have been arranging construction and engineering insurance across South Africa since 2005, and we know what your contract requires.
A clear, consistent process from the first quote to claims resolution — here is how it works.
We start with a detailed risk review — going beyond surface-level data to understand the precise exposures of each construction or engineering project. Our team helps identify the right cover, ensures all project documentation is aligned for compliance, and keeps turnaround times short. For contractors working to a tender deadline, speed and accuracy matter equally and we treat them that way.
Once cover is confirmed, we handle the full lifecycle: issuing policies, managing binder compliance, processing mid-term amendments (MTAs), renewals, and endorsements. Every step is handled with the precision that large-scale construction and engineering contracts demand.
When a claim occurs, we act immediately. Our team coordinates all documentation — surveyor reports, police records, site assessments — clarifies policy exclusions, and manages communication between the client, the broker, and the underwriter. The process is built for speed and transparency, reducing the back-office burden at the moment it matters most.
Save your precious time by finding solutions. CONTACT US NOW.
Engineering insurance is a specialized category of insurance products designed to cover risks associated with construction, installation, machinery operation, and technical assets. It provides financial protection against losses resulting from damage to works, plant, or machinery, as well as liability risks, during the entire project lifecycle, from site preparation and erection to testing and operation.
We arrange a full range of engineering and construction insurance cover through our insurer partners. This includes Contractors All-Risk (CAR), Plant All-Risk (PAR), Erection All-Risk (EAR), Machinery Breakdown, Electronic Equipment Insurance, and Deterioration of Stock. For contractors, we also arrange performance guarantees, bid bonds, construction liability, and professional indemnity cover.
We work with two groups. Insurance brokers who manage engineering and construction portfolios and need a reliable partner to handle placement, compliance, and claims on their behalf. And engineering and construction contractors across South Africa who need cover arranged directly for a tender or contract — CAR, performance guarantees, bid bonds, plant all risk, and related cover. Our insurer partners are accepted by government entities, municipalities, CIDB-registered projects, and blue-chip private sector employers throughout South Africa.
For most engineering and construction insurance lines, we turn quotes around within 24 hours. For contractors working to a tender submission deadline or needing cover before a contract start date, we prioritise speed without compromising accuracy. If you are arranging a performance guarantee, note that most contracts require it to be submitted to the employer within a set number of days after award — contact us as early as possible once you receive your letter of award.
Three things. First, engineering and construction insurance is a core focus for us — not a side product. We have the expertise to handle complex multi-party construction contracts, specialist industrial risks, and large-scale infrastructure projects. Second, our insurer relationships span the major players in the SA engineering market — Hollard, Bryte, Suretimes, and Yardrisk — and these are recognised by most government entities, municipalities, and private sector employers. Third, we have been doing this since 2005. FSCA-registered, FSP 4598, trusted by brokers and contractors across South Africa for over twenty years.
Yes, we have the capacity and experience to assist with complex or high-value projects that require customised engineering insurance administration.
Still have questions? Contact us and let’s chat.
Reliable short-term insurance administration
support for South African brokers. Reliable quotes, seamless claims, and trusted compliance since 2005.
Polico Africa (Pty) Ltd | FSP 4598 | FSCA-Registered | POPIA Compliant
Copyright © 2026 Polico Africa. All Rights Reserved.
Marketing & Design By Ntsakisi
