The CAR - Contractor's All Risks policy is the specific insurance solution for those who build private or public works such as: roads, civil, industrial and commercial buildings, and the renovation and expansion of buildings. Protects the Contractor and the Builder against material and direct damage suffered by the work and by third parties, during the execution of the work and as a consequence thereof.
The Decennial Posthumous policy is the insurance solution that offers protection for damage to the work after delivery. It is specifically dedicated to the owners of the completed work, construction companies, and real estate companies to protect property buyers. The ten-year posthumous policy is normally issued after the CAR policy upon completion of the works. It provides that for ten years the insurer must indemnify the damage caused to the work by its total or partial ruin and by the expenses incurred in case of danger of ruin or serious defects.
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