Protect What Keeps Your Business Moving
Heavy Equipment. High Stakes. Serious Insurance.
Engineering & Construction Insurance Solutions
Protect What Keeps Your Business Moving
Heavy Equipment. High Stakes. Serious Insurance.
Engineering & Construction Insurance Solutions
Whether you're breaking ground or operating yellow metal machinery, project risk is real. Our insurance solutions are designed to safeguard your build, your gear, and your business from costly setbacks and liability.
Mining & Rehabilitation
We include cover for environmental liability, rehabilitation guarantees, public liability, and equipment risk—designed to support compliance and operational continuity in high-impact mining environments.
Liability Insurance
Our liability insurance solutions include protection for directors, employees, digital assets, products, and third-party claims covering key legal and financial exposures in modern business.
Engineering Insurance
Engineering & Contractors Insurance includes cover for machinery, plant, equipment, project works, installation risks, and third-party damage—supporting businesses through the full project lifecycle.
Commercial Insurance
Our business asset protection includes cover for company vehicles, mobile equipment, stock, and contents—guarding against accidents, theft, weather damage, and civil unrest.
Progress Pays, Rework Costs.
In construction, profit comes from progress. When theft, damage, or delays force you to redo work already completed, it’s your margin that suffers. Our tailored cover keeps your tools, your plant, and your works protected, so you can keep moving forward.
We Understand the Risk You Carry
Projects are complex, but your protection shouldn’t be. We simplify risk management so you can focus on building with confidence.
Insurance
Gaurentees
Protect your site and works in progress from unexpected damage like fire, flood, theft, or accidents, keeping your project on track and your margins safe. Ideal for contractors, developers, and project owners.
- Covers damage to works in progress
- Fire, storm, flood, or collapse losses
- Theft or vandalism of on-site materials
- Third-party damage during construction
- Optional cover for surrounding property and structures
Recommended for contractors, developers, and project owners who carry the construction risk.
Covers owned and hired plant against loss or damage, on-site, in transit, or in storage. Protect your yellow metal from theft, accidents, and breakdowns that stall your operations.
- Yellow metal and mechanical plant (excavators, graders, rollers)
- Theft, vandalism, fire, flood, accidental damage
- Damage during transit
- Hired-in plant with contractual liability
- Optional cover for tools, attachments, and operator damage
Recommended for contractors, civil engineers, and plant hire companies.
A bundled solution covering contract works, plant, equipment, and third-party liability in one policy, ideal for contractors who need comprehensive, seamless site protection.
- Damage to works (fire, flood, collapse, storm)
- Theft or damage to construction plant/equipment
- Third-party injury or property damage on-site
- Cover for transit, storage, and on-site execution
- Optional: support structures, debris removal, cross-liability
Ideal for principal contractors, developers, and firms managing multiple site exposures.
Contractors All Risks (CAR) Insurance
Contract
Works Insurance
Plant All
Risks Insurance
Covers the erection, installation, and commissioning of machinery and steel structures; protecting against accidents during transport, lifting, and setup.
- Damage during transport, lifting, erection, or testing
- Fire, theft, collapse, or natural disasters
- Third-party injury or property damage
- Cover for tools, temporary structures, site materials
- Optional cover for testing and commissioning delays
Recommended for engineering contractors, plant installers, and industrial project managers.
Covers machinery against sudden breakdowns, faults, and damage, whether in operation, transit, or reinstallation. Protects you from costly repairs, downtime, and operational delays.
- Mechanical, electrical, and operator failure
- Electrical faults, surges, and overloads
- Damage during dismantling, loading, transit, or re-erection
- Repair or replacement of machinery and key components
- Optional business interruption cover
Recommended for manufacturers, workshops, processing plants, and businesses with critical or relocating machinery.

Covers lost income and extra costs from project delays after insured damage, keeping your finances stable when construction stalls.
- Loss of projected income from delayed completion
- Ongoing finance charges and debt costs
- Fixed overheads during delays
- Increased start-up costs
- Triggered by claims under CAR or EAR policies
Recommended for developers, plant owners, and PPP/infrastructure projects.
Erection All Risks (EAR) Insurance
Machinery Breakdown & Movement Insurance
Advance Loss of Profits (ALOP) / Delay in Start-Up (DSU)
A Performance Guarantee (or performance bond) provides financial assurance that a contractor will fulfil their contractual obligations as agreed. If the contractor fails to perform, the guarantee compensates the employer for the resulting loss, helping maintain project timelines and financial certainty.
- Issued on behalf of contractors to project owners
- Covers non-performance or failure to complete
- Typically required under JBCC, FIDIC, GCC contracts
- Can be issued locally or on cross-border projects
- Backed by insurers, not banks, preserving working capital
Ideal for contractors bidding on public or large-scale private sector projects.
A Retention Guarantee replaces the employer’s right to withhold retention money from progress payments during a construction contract. It allows the contractor to receive full payment while still providing financial protection to the employer in case of defects or non-completion.
- Replaces the 5–10% cash retention holdbacks
- Ensures liquidity and improved contractor cashflow
- Provides the employer with recourse for defective work
- Common in large infrastructure and engineering contracts
- Can be structured per contract or per client portfolio
Ideal for contractors with strong track records needing better cashflow management.
Performance Guarantee
Retention Guarantee
Insurance
Guarantees
Contract Works Insurance
Protect your site and works in progress from unexpected damage like fire, flood, theft, or accidents, keeping your project on track and your margins safe. Ideal for contractors, developers, and project owners.
- Covers damage to works in progress
- Fire, storm, flood, or collapse losses
- Theft or vandalism of on-site materials
- Third-party damage during construction
- Optional cover for surrounding property and structures
Recommended for contractors, developers, and project owners who carry the construction risk.
Plant All Risks Insurance
Covers owned and hired plant against loss or damage on-site, in transit, or in storage. Protect your yellow metal from theft, accidents, and breakdowns that stall your operations.
- Yellow metal and mechanical plant (excavators, graders, rollers)
- Theft, vandalism, fire, flood, accidental damage
- Damage during transit
- Hired-in plant with contractual liability
- Optional cover for tools, attachments, and operator damage
Recommended for contractors, civil engineers, and plant hire companies.
Contractors All Risks (CAR) Insurance
A bundled solution covering contract works, plant, equipment, and third-party liability in one policy, ideal for contractors who need comprehensive, seamless site protection.
- Damage to works (fire, flood, collapse, storm)
- Theft or damage to construction plant/equipment
- Third-party injury or property damage on-site
- Cover for transit, storage, and on-site execution
- Optional: support structures, debris removal, cross-liability
Ideal for principal contractors, developers, and firms managing multiple site exposures.
Erection All Risks (EAR) Insurance
Covers the erection, installation, and commissioning of machinery and steel structures, protecting against accidents during transport, lifting, and setup.
- Damage during transport, lifting, erection, or testing
- Fire, theft, collapse, or natural disasters
- Third-party injury or property damage
- Cover for tools, temporary structures, and site materials
- Optional cover for testing and commissioning delays
Recommended for engineering contractors, plant installers, and industrial project managers.
Machinery Breakdown & Movement Insurance
Covers machinery against sudden breakdowns, faults, and damage, whether in operation, transit, or reinstallation. Protects you from costly repairs, downtime, and operational delays.
- Mechanical, electrical, and operator failure
- Electrical faults, surges, and overloads
- Damage during dismantling, loading, transit, or re-erection
- Repair or replacement of machinery and key components
- Optional business interruption cover
Recommended for manufacturers, workshops, processing plants, and businesses with critical or relocating machinery.
Advance Loss of Profits (ALOP) / Delay in Start-Up (DSU)
Covers lost income and extra costs from project delays after insured damage, keeping your finances stable when construction stalls.
- Loss of projected income from delayed completion
- Ongoing finance charges and debt costs
- Fixed overheads during delays
- Increased start-up costs
- Triggered by claims under CAR or EAR policies
Recommended for developers, plant owners, and PPP/infrastructure projects.
Retention Guarantee
A Retention Guarantee replaces the employer’s right to withhold retention money from progress payments during a construction contract. It allows the contractor to receive full payment while still providing financial protection to the employer in case of defects or non-completion.
- Replaces the 5–10% cash retention holdbacks
- Ensures liquidity and improved contractor cashflow
- Provides the employer with recourse for defective work
- Common in large infrastructure and engineering contracts
- Can be structured per contract or per client portfolio
Ideal for contractors with strong track records needing better cashflow management.
Performance Guarantee
A Performance Guarantee (or performance bond) provides financial assurance that a contractor will fulfil their contractual obligations as agreed. If the contractor fails to perform, the guarantee compensates the employer for the resulting loss, helping maintain project timelines and financial certainty.
- Issued on behalf of contractors to project owners
- Covers non-performance or failure to complete
- Typically required under JBCC, FIDIC, GCC contracts
- Can be issued locally or on cross-border projects
- Backed by insurers, not banks, preserving working capital
Ideal for contractors bidding on public or large-scale private sector projects.
Insurance
Guarantees
Contract Works Insurance
Protect your site and works in progress from unexpected damage like fire, flood, theft, or accidents, keeping your project on track and your margins safe. Ideal for contractors, developers, and project owners.
- Covers damage to works in progress
- Fire, storm, flood, or collapse losses
- Theft or vandalism of on-site materials
- Third-party damage during construction
- Optional cover for surrounding property and structures
Recommended for contractors, developers, and project owners who carry the construction risk.
Plant All Risks Insurance
Covers owned and hired plant against loss or damage, on-site, in transit, or in storage. Protect your yellow metal from theft, accidents, and breakdowns that stall your operations.
- Yellow metal and mechanical plant (excavators, graders, rollers)
- Theft, vandalism, fire, flood, accidental damage
- Damage during transit
- Hired-in plant with contractual liability
- Optional cover for tools, attachments, and operator damage
Recommended for contractors, civil engineers, and plant hire companies.
Contractors All Risks (CAR) Insurance
A bundled solution covering contract works, plant, equipment, and third-party liability in one policy, ideal for contractors who need comprehensive, seamless site protection.
- Damage to works (fire, flood, collapse, storm)
- Theft or damage to construction plant/equipment
- Third-party injury or property damage on-site
- Cover for transit, storage, and on-site execution
- Optional: support structures, debris removal, cross-liability
Ideal for principal contractors, developers, and firms managing multiple site exposures.
Erection All Risks (EAR) Insurance
Covers the erection, installation, and commissioning of machinery and steel structures; protecting against accidents during transport, lifting, and setup.
- Damage during transport, lifting, erection, or testing
- Fire, theft, collapse, or natural disasters
- Third-party injury or property damage
- Cover for tools, temporary structures, site materials
- Optional cover for testing and commissioning delays
Recommended for engineering contractors, plant installers, and industrial project managers.
Machinery Breakdown & Movement Insurance
Covers machinery against sudden breakdowns, faults, and damage, whether in operation, transit, or reinstallation. Protects you from costly repairs, downtime, and operational delays.
- Mechanical, electrical, and operator failure
- Electrical faults, surges, and overloads
- Damage during dismantling, loading, transit, or re-erection
- Repair or replacement of machinery and key components
- Optional business interruption cover
Recommended for manufacturers, workshops, processing plants, and businesses with critical or relocating machinery.
Advance Loss of Profits (ALOP) / Delay in Start-Up (DSU)
Covers lost income and extra costs from project delays after insured damage, keeping your finances stable when construction stalls.
- Loss of projected income from delayed completion
- Ongoing finance charges and debt costs
- Fixed overheads during delays
- Increased start-up costs
- Triggered by claims under CAR or EAR policies
Recommended for developers, plant owners, and PPP/infrastructure projects.
Performance Guarantee
A Performance Guarantee (or performance bond) provides financial assurance that a contractor will fulfil their contractual obligations as agreed. If the contractor fails to perform, the guarantee compensates the employer for the resulting loss, helping maintain project timelines and financial certainty.
- Issued on behalf of contractors to project owners
- Covers non-performance or failure to complete
- Typically required under JBCC, FIDIC, GCC contracts
- Can be issued locally or on cross-border projects
- Backed by insurers, not banks, preserving working capital
Ideal for contractors bidding on public or large-scale private sector projects.
Retention Guarantee
A Retention Guarantee replaces the employer’s right to withhold retention money from progress payments during a construction contract. It allows the contractor to receive full payment while still providing financial protection to the employer in case of defects or non-completion.
- Replaces the 5–10% cash retention holdbacks
- Ensures liquidity and improved contractor cashflow
- Provides the employer with recourse for defective work
- Common in large infrastructure and engineering contracts
- Can be structured per contract or per client portfolio
Ideal for contractors with strong track records needing better cashflow management.
Important Notice
The insurance products described on this page are subject to the specific terms, conditions, exclusions, and limits outlined in each individual policy wording. Cover is not automatic and depends on the nature of the risk, the information disclosed, and the insurer’s underwriting criteria.
This page is intended to provide general guidance only and does not constitute financial advice or a binding offer of insurance. For full details on applicable cover, claim requirements, and eligibility, please speak to one of our licensed advisors or request a copy of the relevant policy wording.

Odiglo (Pty) Ltd is an authorised Financial Services Provider (FSP No. 44274).
Curious About What Our Clients Have To Say?
Thandi M. – Project Manager, Construction Firm (Cape Town)
6 months ago
Odiglo handled a surge of third-party claims during our resurfacing project, quickly distinguishing valid concerns from baseless ones. They clarified liability, allowing our crews to concentrate on work instead of paperwork, and provided calm, effective support throughout.
Michael D. – CEO, Engineering Contractor
1 month ago
Tenders move quickly, so we needed efficient, contract-specific CAR cover. Odiglo provided three clear quotes with matching terms and explained how each fit our project. We chose based on requirements and risk preference, with straightforward options and no hidden clauses.
Our cash was locked in retentions and bonds, but Odiglo arranged retention and performance guarantees that met JBCC standards, helping us secure contracts without tying up working capital. With streamlined paperwork and manageable timelines, our cashflow improved.
Lebohang S. – Operations Manager, Civil Contractor
3 months ago
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