Contractor's All Risks (CAR)工程一切险 (CAR)
Covers the building work itself, and claims from people around the site.保在建的工程本身，以及工地周边的人向你索赔。
Section I covers the contract works — and any plant entered in the schedule — against sudden physical loss or damage from any cause not excluded: fire, flood, storm, collapse, theft. Section II covers your liability for injury to third parties and damage to their property near the site. Cover runs for the project, including the defects liability period.第一部分保合约工程（加上附表列明的机械），遇到任何没列明除外的突然实物损失都赔：火灾、水灾、风暴、倒塌、失窃。第二部分保工地附近第三者受伤、财物受损时你的责任。保期跟着工程走，包括保修期。
At a glance一眼看懂
What this policy pays for, what it doesn't, and what sits elsewhere.这张保单保什么、不保什么、什么要去别的保单找。
- Fire, flood, storm, collapse火灾、水灾、风暴、倒塌
- Theft from site工地失窃
- Third-party injury and property damage第三者受伤、财物受损
- Plant — if entered in the schedule机械 —— 附表有列才保
- Vibration and removal of support震动、挖掉支撑
- Overtime and express freight for repairs修复的加班费、急件运费
- Debris removal清理残骸
- …and 1 more……还有 1 项
- Penalties, LADs and delay罚款、LAD、延误
- Faulty design设计错误
- Breakdown of plant机械自己故障
- Cessation of work停工
What goes on the schedule附表上要列什么
Each with its own sum insured.每一项各有自己的保额。
Plant is not covered automatically — it needs its own line and sum insured. Read more.机械不会自动包括 —— 要另列一行、另定保额。看详细。
What's covered基本保障
Section I: sudden, unforeseen physical loss or damage from any cause not excluded. Section II: liability to third parties near the site.第一部分：任何没列明除外的突然、意外实物损失。第二部分：对工地附近第三者的责任。
Fire, flood, storm火灾、水灾、风暴
Fire and natural perils at the site.工地的火灾和天灾。
Collapse & impact倒塌、撞击
Collapse, subsidence and impact damage to the works.工程倒塌、地陷、被撞击。
Third-party injury第三者受伤
Accidental injury or illness to people near the site.工地附近的人意外受伤或患病。
Third-party property第三者财物
Damage to their property, plus legal costs with the insurer's consent.他们的财物受损，加上经保险公司同意的诉讼费。
Add-on cover可以加保
Each must be agreed and written on the schedule.每一项都要约定并写进附表。
- Vibration and removal or weakening of support震动、挖掉或削弱支撑
- Overtime, night work and express freight加班、夜班、急件运费
- Debris removal清理残骸
- Construction plant and equipment施工机械设备
How a claim is paid出事时怎么赔
Read this before you set the sum insured.定保额之前先看这段。
Sum insured = full completed value保额 = 完工总值
Not the bare contract price: materials, wages, freight, duties and principal-supplied items all count. Example:不是只看合约价：材料、工资、运费、税、业主供应的物品都要算进去。例子：
Paid: RM400,000 — 80%. You carry RM100,000. Read more.只赔 RM400,000，也就是八成；其余 RM100,000 你自己扛。看详细。
Cessation of work is excluded. If the site will stop, tell the insurer before it happens and get continued cover confirmed in writing. Read more.停工不保。工地要停的话，先通知保险公司，并拿到书面确认保障继续。看详细。
Under PAM 2018, maintenance cover must run through the defects liability period plus three months, arranged at least a month before current cover ends. Read more.按 PAM 2018，保修期的保障要延到保修期结束后再加三个月，并在现有保障到期前至少一个月安排好。看详细。
Not covered不保什么
The main ones. The full list is in your policy wording.这里列主要的，完整清单看保单条款。
After a loss on site工地出事后
- Immediately马上Phone and write to the insurer. Take steps to limit the damage.打电话并书面通知保险公司，尽量控制损坏。
- Theft? Police too被偷要报警Report theft or burglary to the police.被偷、被闯入，要报警。
- Keep the damage留着现场Keep damaged parts for inspection. Minor damage can be repaired after you notify; anything bigger waits for the insurer.损坏的部分留给保险公司检查。通知后可以先修小损坏，大的要等保险公司来看。
- 14-day limit14 天期限Not notified within 14 days? Not paid.超过 14 天才通知，不赔。
Sum insured set at the bare contract price — CAR wants the full completed value, so claims get cut in proportion.保额只按合约价定 —— CAR 要的是完工总值，保不够就按比例赔。
Based on standard Malaysian contractor's all risks policy wordings, a 2026 product disclosure sheet and PAM 2018. Your own policy schedule and wording decide what you are covered for.依据马来西亚标准工程一切险条款、2026 年产品说明书及 PAM 2018 整理。实际保障以你的保单附表和条款为准。