Loss or damage
Loss or damage to the project caused by risks such as fire, hurricane, flood, theft, vandalism, or accidental damage during construction
Construction insurance
Coverage built for your business
From home renovations to large-scale developments, trust Allshores to protect you throughout your construction project — so you can build with confidence, from the ground up.
Keeping Bermuda builders in business
No matter what you’re building, construction comes with unique risks, from accidental damage to unexpected delays or liability issues. Allshores offers all-risk insurance coverage for all kinds of construction projects.
Construction projects we cover
- New home builds
- Renovations, additions, and restorations
- Condo developments
- Demolitions
- Offices and commercial buildings
- Hotels and resturants
Customisable coverage you can count on
Whether you’re a contractor, developer, project manager, or homeowner, Allshores can protect your materials, equipment, and liability, giving you peace of mind from blueprint to finished build. Available on an annual or project-by-project basis, construction all risks insurance from Allshores includes coverage for:
TOOLS, MATERIALS, and equipment
Loss or damage to materials, equipment, and tools on the worksite and in transit to the site
CONSULTANT FEES
Architects’, surveyors', and engineers' fees necessary for the reinstatement of the property after an insured loss
temporary Building damage
Damage to temporary buildings on the worksite and existing structures belonging to the property owner
PUBLIC LIABILITY
Public liability if you’re held responsible for accidental injury
to a third party, property damage, nuisance, negligence,
or trespassing — with flexible liability limits
SITE CLEARANCE
Debris removal following an insured loss
construction insurance
Get a quote or renew your policy
As we build new commercial construction insurance products under the Allshores name, you can still renew your existing policy or speak with our team about coverage options. We’re here to make sure your business stays protected every step of the way.
Want to pay in instalments?
With Allshores, you can choose to pay your commercial construction insurance premium in monthly, quarterly, or semi‑annual instalments. You’ll have more control over your cash flow while keeping your business protected.
Contact us to learn more or change your payment plan.
Contact us to learn more or change your payment plan.
Frequently asked questions
In most cases, yes. Standard home and commercial property insurance policies do not typically cover construction-related work, such as renovations, extensions, demolition, or other contract work taking place on your property. Construction insurance is designed to fill that gap, providing coverage for the property or structure while it’s under construction, as well as the existing building while in a contractor’s control.
Construction insurance can also include public liability coverage. If a member of the public is injured or killed, or their property is damaged because of your team’s negligence during construction, your policy can pay for court-awarded damages and legal defence costs, up to the policy limit.
In most cases, yes. While subcontractors may have their own liability insurance, it’s important to understand exactly what their policies cover.
Subcontractor policies often have lower liability limits than you may need, or cover only the subcontractor — not you, your business, or the property owner.
To avoid gaps in coverage, it’s important to have your own insurance in place. Construction all risks insurance helps protect your business — or your property — regardless of the limits or restrictions of your subcontractors’ policies.