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Dissecting the Construction Insurance Coverage

Developing Practical Understanding of C.A.R. and E.A.R. Policy Coverage and Claims

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Why Choose This Course

The Dissecting the Construction Insurance Coverage training course develops practical understanding of construction insurance and the application of C.A.R./E.A.R. principles to real projects. It examines complex, high-impact exposures, including fire, collapse, flooding, theft and unforeseen incidents on site. Participants learn to interpret policy terms, assess exclusions and determine how coverage responds during building, infrastructure and refurbishment projects. This structured approach provides the technical clarity required throughout the construction project lifecycle.

The course explores how Construction All Risks (C.A.R.) and Erection All Risks (E.A.R.) policies operate as risk transfer mechanisms. It also addresses Advanced Loss of Profit (ALOP)/Delay in Start-Up (DSU) extensions and War Risk coverage required before projects commence. Participants analyse policy schedules, proposal forms and wording structures, supported by practical cases showing how insurers, brokers and underwriters evaluate risks and claims. The course also examines Parametric Insurance to support the effective management of modern construction risks.

This Dissecting the Construction Insurance Coverage training course will highlight:

  • Understanding C.A.R. and E.A.R. policies as risk transfer mechanisms
  • Assessing construction exposures involving fire, collapse, flooding, theft and unforeseen site incidents
  • Interpreting policy terms, exclusions, schedules, proposal forms and wording structures
  • Examining ALOP/DSU extensions and War Risk coverage before project commencement
  • Evaluating how insurers, brokers and underwriters approach claims and risk assessment
  • Exploring Parametric Insurance for managing modern construction risks
Why Choose Dissecting the Construction Insurance Coverage
Course Goals

What are the Goals?

The Dissecting the Construction Insurance Coverage Course aims to develop participants’ understanding of construction insurance principles, policy analysis, and claims evaluation through a structured, practical approach. This training course provides participants with technical and contextual knowledge of C.A.R. and E.A.R. policies, including their operative clauses, exclusions, and the principles governing insurers’ responses to onsite incidents.

Upon completing this training course, participants will be able to:

  • Comprehend the core principles and concepts governing construction insurance
  • Examine how C.A.R. and E.A.R. policies function as mechanisms for transferring risk
  • Use policy clauses, endorsements, and exclusions in practical construction situations
  • Recognise how insurers evaluate claims and establish the appropriate policy response
  • Explain the meaning and effect of essential terms, including Sum Insured, Limit of Liability, and Period of Cover
  • Assess underwriting considerations and their influence on pricing, coverage, and acceptance
  • Understand the connection between project risk, contractor responsibilities, and insurance documentation

Who is this Training Course for?

This Dissecting the Construction Insurance Coverage training course is designed for:

  • Construction Insurance Underwriters
  • Insurance Brokers
  • Construction Claims Handlers
  • Loss Adjusters
  • Risk Managers
  • Construction Project Managers
  • Contract Managers
  • Commercial Managers
  • Quantity Surveyors
  • Construction Lawyers
  • Insurance and Risk Consultants
  • Construction Finance Managers
Learning Approach

How will this Training Course be Presented?

This Dissecting the Construction Insurance Coverage Training Course applies interactive, activity-led learning to provide a practical and engaging educational experience. Its delivery method blends technical teaching with actual case studies, enabling participants to recognise how policy terms operate in real-life circumstances. The course focuses on practical interpretation of policy documents, comparison of regional wordings, and dialogue about best practices for negotiating effective coverage.

Course delivery will incorporate:

  • Guided group discussions that reinforce essential insurance concepts
  • Case studies covering actual construction incidents and the solutions applied
  • Role-play activities simulating underwriting, claims management, and risk assessments
  • Technical examination of C.A.R. and E.A.R. policy wordings, endorsements, and exclusions
  • Interactive activities developed to enhance practical understanding of coverage and claims

The Course Summary & Outline

  1. Day 1
    Introduction and Contractual Aspects of Projects
  2. Day 2
    Policy Coverage
  3. Day 3
    Section I (Material Damage)
  4. Day 4
    Section II (Third Party Liability)
  5. Day 5
    Underwriting of Risks and Claims Handling
Recognition

Certificate

Delegates who successfully complete the Dissecting the Construction Insurance Coverage training course are awarded the Wallstreet Academy Certificate of Completion, recognising their achievement and commitment to professional development. Participants receive 25–30 credits, with the final allocation based on their verified attendance throughout the course.

Each Guided Learning Hour represents 60 minutes of attendance. Attendance is documented in line with the quality management principles of ISO 9001:2015, supporting accurate and consistent record-keeping.

Frequently Asked Questions

The course covers construction insurance through a practical examination of the C.A.R./E.A.R. policy. It focuses specifically on policy coverage and claims. The workshop is designed to help participants break down these subjects in a structured way.

Yes. The Dissecting the Construction Insurance Coverage training course develops practical understanding of construction insurance and the application of C. A. Key topics include Introduction and Contractual Aspects of Projects, Policy Coverage, Section I (Material Damage) and Section II (Third Party Liability).

This course is presented as a practical workshop. It aims to build understanding of C.A.R./E.A.R. policy coverage and claims by dissecting construction insurance coverage. No further details about exercises or workshop activities are provided.

This course is designed for Construction Insurance Underwriters, Insurance Brokers, Construction Claims Handlers, Loss Adjusters, Risk Managers and Construction Project Managers. A.

Key outcomes of this course include: comprehend the core principles and concepts governing construction insurance; examine how C.A.R. and E.A.R. policies function as mechanisms for transferring risk; use policy clauses, endorsements, and exclusions in practical construction situations. A.

Yes. Key outcomes of this course include: recognise how insurers evaluate claims and establish the appropriate policy response; explain the meaning and effect of essential terms, including Sum Insured, Limit of Liability, and Period of Cover; assess underwriting considerations and their influence on pricing, coverage, and acceptance. R.

Key outcomes of this course include: understand the connection between project risk, contractor responsibilities, and insurance documentation. /E.

Key outcomes of this course include: comprehend the core principles and concepts governing construction insurance; examine how C.A.R. and E.A.R. policies function as mechanisms for transferring risk; use policy clauses, endorsements, and exclusions in practical construction situations. A.