This policy provides comprehensive cover for civil construction projects against accidental physical loss or damage to contract works, materials, and temporary structures during the construction period. It also includes third-party liability for bodily injury or property damage arising out of construction activities.

Covered risks typically include fire, flood, storm, collapse, theft, and accidental damage on site. Exclusions generally include defective design, workmanship costs, normal wear and tear, wilful negligence, and consequential losses unless specifically covered.