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Risk Solutions Tailored For You

Our products are available through qualified FAIS insurance intermediaries.

Contractors All Risk

Contractor All Risk is a policy that covers material damage and third-party liability for ongoing projects.

Plant All Risk

Plant All Risk is insurance that covers physical loss or damage to construction plant, equipment, and machinery, including earth-moving and smaller tools.

Loss of Profit

Consequential loss of gross profit, loss of revenue or increased costs of working, arising from indemnifiable loss or damage sustained under the Machinery Breakdown Policy.

Machinery Breakdown Insurance

This insurance covers sudden physical damage to machinery from mechanical or electrical breakdowns, including during use, rest, or repositioning, with optional coverage for business interruption and stock loss.

Electronic Equipment Insurance

This policy covers all risks to electronic equipment, whether purchased, leased, or rented, with options for data restoration and increased working costs.

Dismantling Transit & Erection Insurance

This covers disassembly, transit, storage, assembly, and can be customized to include testing and installation of new machinery.

Works Damage Insurance

This covers loss or damage from impacts like collisions or overturning, particularly when machinery or goods are in high-traffic areas.

"A trusted partner in construction and engineering insurance"

Contractors All Risk

This policy covers material damage to property and third-party injury or damage claims for ongoing projects or contracts. Each risk is assessed and underwritten based on the specific details and requirements of the project.

Policies can be issued on an “annual blanket” basis, covering multiple contracts within defined limits based on expected annual turnovers. Alternatively, they can be underwritten on a project-specific basis, covering only a single contract for a specified period and location.

What Does This Cover?

Contract works – material damage

Contract works – public liability

Principal’s advanced loss of profits

Plant All Risk

This insurance covers physical loss or damage to construction plant, equipment, and machinery, including earth-moving, quarrying machinery, compressors, compactors, and smaller tools. It also includes coverage for hired-in plant, substitute hiring costs, and third-party liability risks related to the equipment used as a tool of trade.

What Does This Cover?

Material damage – own plant

Hiring costs

Site liability

Legal liability and continuing hire charges (hired-in plant)

Third party liability for road licensed vehicles

Electronic Equipment Insurance

Most businesses depend on electronic technology for operations. Our insurance covers all risks for purchased, leased, or rented equipment, with optional protection for data restoration and increased working costs.

What Does This Cover?

Increased cost of working

Reconstitution of data

Works Damage

This coverage primarily protects against impact-related incidents such as collisions, bashing, or overturning, resulting in loss or damage to the insured’s plant, machinery, or goods under their control. It is especially valuable in areas with high traffic near or above the equipment and products.

What Does This Cover?

Loss or damage to the client’s own plant and machinery

Loss or damage to goods being manufactured by the client

Loss or damage to goods under the custody of the client whilst being worked upon; the goods belonging to other parties

Dismantling, Transit & Erection

This is appropriate for plant and machinery and includes extensive coverage for disassembly, transit, storage, and assembly.
The policy can be customised to meet the specific demands of the risk, and expanded to include testing cover for the set up and installation of new machinery.

What Does This Cover?

Dismantling

Transit

Assembly

Storage

Loss of Profit

Consequential loss of gross profit, loss of revenue or increased costs of working, arising from indemnifiable loss or damage sustained under the Machinery Breakdown Policy

What Does This Cover?

Financial losses resulting from business interruption due to an insured event

Loss of income during the period the business cannot operate or is operating at reduced capacity

Indirect losses,

Ongoing fixed costs, such as rent or salaries, during the downtime

Machinery Breakdown

This protects against sudden and unexpected physical damage to static machinery caused by mechanical or electrical breakdowns.

It applies to machinery that is in use, at rest, or in the process of being repositioned or assembled on the business premises. Extended coverage, such as business interruption and stock deterioration following a failure, is also offered.

What Does This Cover?

Physical damage to machinery

Deterioration of stock

Loss of gross profit, loss of revenue or additional increase in cost of working

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We offer insurance solutions suited to your unique needs. Minimise the risks to your projects and gain comprehensive coverage by joining the Legendsure insurance family.

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    Legendsure Engineering Underwriting Managers (Pty) Ltd (FSP No. 53399) – is an authorised financial services provider acting as an Underwriting Manager for Yard Insurance Limited(FSP No. 17704), a licensed Non-Life Cell Captive Insurer and Authorised Financial Service.