Contractor’s All Risk Insurance Malaysia (CAR)

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  • Build with confidence — CAR lindungi kerja, bahan, dan TPL sepanjang projek.

Contractor’s All Risk Insurance (CAR) – Perlindungan Projek di Klang Valley

Contractor’s All Risk Insurance Malaysia (CAR) direka untuk projek pembinaan & renovasi—melindungi contract works, materials on site, dan third-party liability (TPL) jika berlaku kecederaan / kerosakan kepada orang awam atau harta jiran. Untuk projek di Klang Valley (KL & Selangor) dengan traffic dan density tinggi, CAR policy Malaysia membantu anda kekal patuh kontrak, kurangkan risiko kos mengejut, dan tenang semasa kerja berjalan hingga handover.

Di Jom Insuran, kami mudahkan Contractor’s All Risk Insurance Malaysia: terangkan skop dengan bahasa mudah, senaraikan extensions kritikal, urus fast WhatsApp quote, dan claim guidance yang telus. Dari groundwork sampai DLP (defects liability period), kami pastikan insurans projek betul-betul melindungi.

Apa Yang Dilindungi – Contractor’s All Risk Insurance Malaysia

Cakupan teras Contractor’s All Risk Insurance Malaysia merangkumi dua bahagian:

Section I – Contract Works (Material Damage)

  • Contract works & materials (on-site & sementara disimpan).
  • Temporary works/structures (scaffolding, hoarding, formwork).
  • Plant & equipment di site (tertanggung ikut polisi; selalunya perlu extension khusus).
  • Perils (kebakaran, kecurian, ribut, banjir—ikut terma polisi).

Section II – Third-Party Liability (TPL)

  • Kecederaan pihak ketiga (bukan pekerja anda).

  • Kerosakan harta pihak ketiga (contoh: dinding jiran, kenderaan awam).

  • Kos guaman/defence (subject to limit/excess).

Kami jelaskan had, excess, basis of valuation, dan syarat partial/total loss supaya tiada kejutan bila claim di bawah Contractor’s All Risk Insurance Malaysia.

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Broker insurans Klang Valley untuk industri pembinaan & kontraktor

Industri yang Kami Layani di Klang Valley

Perniagaan runcit & F&B

Klinik, pejabat profesional & pusat tuisyen

Pembinaan, pengubahsuaian & kontraktor

Gudang, logistik & pengangkutan

Kilang ringan & pembuatan

Acara, pameran & pengelolaan hartanah

Add-Ons/Extensions Yang Biasa Ditambah

Untuk projek Klang Valley, extension berikut kerap penting dalam Contractor’s All Risk Insurance Malaysia:

  • Surrounding Property – kerosakan pada harta sedia ada berhampiran site.

  • Removal of Debris – kos pembersihan/membuang bahan runtuhan.

  • Off-Site Storage/Transit – materials disimpan/diangkut.

  • Plant, Tools & Equipment – owned/hired-in plant; hand tools (tertakluk had).

  • Maintenance / Defects Liability – tempoh maintenance selepas handover.

  • Professional Fees – arkitek/engineer untuk pembaikan.

  • Existing Underground Services – utility risk (ikut syarat ketat).

  • Cross Liability / VRWS (Vibration, Removal or Weakening of Support) – projek urban/reno.

Tak semua projek perlu semua add-ons. Kami cadangkan yang perlu sahaja untuk elak over-spend, sambil kekal patuh syarat principal/landlord.

Siapa Perlu Contractor’s All Risk Insurance Malaysia?

  • Developers & Main Contractors – projek bina baharu, infrastruktur ringan.

  • Sub-Contractors – M&E, civil, ID/fit-out, roofing/glazing, flooring.

  • Renovation & Fit-Out Firms – gudang, pejabat, lot komersial, retail units.

  • Specialist Trades – waterproofing, façade, elevator / escalator install (dengan syarat).

  • Small Contractors – projek kecil pun terdedah pada TPL dan kerosakan kerja.

Klang Valley = ruang sempit, jiran rapat, utility padat → Contractor’s All Risk Insurance Malaysia dengan TPL & extensions yang betul ialah must-have.

Situasi Sebenar

  • Reno pecahkan paip jiran: Air masuk ke unit bawah → TPL + Surrounding Property bantu urus kos baik pulih (di bawah Contractor’s All Risk Insurance Malaysia).

  • Kecurian di tapak: Bahan premium hilang → tuntutan bawah Section I (ikut syarat keselamatan).

  • Vibration rosak dinding sebelah: Kerja hacking → perlukan VRWS endorsement jika tersedia.

  • Scaffold tumbang sewaktu ribut: Damage pada kerja sendiri + risiko TPL → Section I + TPL respon ikut had.

  • Alat hilang: Plant/Tools extension (jika diluluskan) bantu kurangkan kerugian.

Dokumentasi site diary, foto, laporan insiden, dan SOP keselamatan mempercepatkan penilaian claim di bawah CAR policy Malaysia.

Apa Yang Tidak Dilindungi (Typical Exclusions)

  • Kerosakan akibat workmanship yang buruk tanpa kejadian luar (rectification cost tulen).

  • Kelewatan projek / liquidated damages.

  • Kerosakan beransur (wear & tear).

  • Reka bentuk/professional negligence (perlukan Professional Indemnity).

  • Kecurian tanpa bukti pecah masuk/controls keselamatan.

  • Perang/risiko tertentu yang dikecualikan polisi.

  • Defect lama / pre-existing damage.

Kami nyatakan exclusions & syarat khas awal-awal—lebih jelas, kurang frust masa claim Contractor’s All Risk Insurance Malaysia.

Limits & Pricing – Cara Pilih Had Sesuai

  • Section I (Works/Materials) → lazimnya ikut Contract Value + allowance Escalation/Fluctuation (contoh 10%).

  • Section II (TPL) → had biasa RM1–5 juta (boleh lebih untuk projek berisiko tinggi / syarat principal).

Faktor premium: jenis kerja (civil/ID/M&E), durasi projek, nilai kontrak, rekod claim, site security, method statements, dan extensions dipilih.

Tip: Untuk reno komersial di mall/pejabat, TPL RM1–2 juta lazim. Untuk kerja high-risk/urban tight sites, pertimbang had lebih tinggi + VRWS (jika insurer setuju).

Dokumen & Maklumat Diperlukan (Checklist)

Untuk fast quote Contractor’s All Risk Insurance Malaysia:

    1. Project description & scope (reno/fit-out/bina baharu).

    2. Contract Value & Duration (start–end).

    3. Site Address & Drawings (jika ada).

    4. Parties (Principal, Main, Sub-Contractors).

    5. Method Statements / Work Schedule (ringkas).

    6. Site Security & Safety Measures.

    7. Claims History (3–5 tahun, jika ada).

    8. Extensions diminta (Surrounding Property, Debris Removal, Plant/Tools, VRWS, Maintenance).

🌿 JOM INSURANS Across Klang Valley

Membawa ketenangan dan perlindungan kewangan ke seluruh pelusuk Malaysia Dari Cheras ke Kajang, Klang ke Shah Alam – hatta ke setiap kampung dan bandar di antara.

Klang Valley | Cheras | Kajang | Kuala Lumpur | Selangor | Shah Alam | Klang | Bangi | Ampang | Beranang | Cyberjaya | Rawang | Puncak Alam | Subang Jaya | Setia Alam | Balakong | Banting | Gombak | Kelana Jaya | Sungai Buloh | Petaling Jaya | Kota Damansara | Batu Caves | Kuchai Lama | Puchong | Seri Kembangan | Bukit Jelutong | Sepang | Kota Kemuning | Semenyih | Ara Damansara | Bandar Saujana Putra | Dengkil | Kapar | Meru Klang | USJ | Pudu | Sentul | Maluri | Bangsar | Setapak | Wangsa Maju | Chow Kit | Brickfields | Bukit Jalil | Mont Kiara | Sungai Besi | Kepong | Pandan Jaya | Keramat | Seputeh | Titiwangsa | TTDI | Sri Petaling | Taman Desa | Bukit Bintang | Setiawangsa | Putrajaya

Dapatkan Sebut Harga Contractor’s All Risk Insurance Malaysia

WhatsApp: 011-6939 5255 · Call: 011-6939 5255 · Email: hello@jominsuran.my

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FAQ

CAR cover damage pada work/material + TPL. Public Liability hanya TPL (kecederaan/kerosakan pihak ketiga), tiada cover untuk work/material anda.

Bergantung syarat landlord/tenancy & risiko. Sekurang-kurangnya ambil TPL; untuk kerja agresif (hacking, M&E), CAR digalakkan.

Tidak. Perlu extension khusus dan tertakluk had/perils & security requirements.

Ya, melalui Maintenance/Defects Liability extension – nyatakan tempoh & skop.

Selalunya kerana tiada bukti pecah masuk, tiada kawalan keselamatan, atau breach warranty. Pastikan SOP dipatuhi.

Proses – Dari Quote ke Claim

  • Step 1 – WhatsApp/Call (Fahami Projek)

    Kongsi scope, nilai & durasi. Kami map CAR policy Malaysia ikut risiko sebenar.

  • Step 2 – Opsyen & Terms

    Sediakan 1–3 opsyen had, excess, extensions. Anda bandingkan value vs premium.

  • Step 3 – Issuance

    Dokumen → quotation → payment → polisi aktif (Section I & II) + endorsements.

  • Step 4 – Claim Guidance

    Jika insiden: notis segera, foto/video, laporan kontraktor/consultant, quotation repair. Kami bantu komunikasi adjuster hingga selesai di bawah Contractor’s All Risk Insurance Malaysia.