Dissecting the Construction
Insurance Coverage

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.

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

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

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

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