MenuClose

Open an account

Log in

My Easy Banking

You are on the version of the site for

EntrepreneursPrivate BankingCorporateAbout us

Contact us

NederlandsFrançais

Call CARD STOP

Back
INSURE

All Construction Site Risks Insurance for contractors

IN PRACTICE

Full coverage

AG's* All Construction Site Risks Insurance provides comprehensive coverage for all damage that occur on a construction site, regardless of who is responsible. This includes damages caused to third parties, which are covered under third-party civil liability.

YOUR BENEFITS

Peace of mind when you’re doing business

Whether the damage affects your site or third parties, our insurance coverage has got you protected.

As a contractor, you can continue your project without interruption, avoiding the time-consuming and costly formalities of determining responsibilities.

MORE INFORMATION

Make an appointment

Looking for tailored protection for yourself and your construction site? Contact your adviser at your branch or call the Easy Banking Centre on 02 433 43 34 for a video call.

*All Construction Site Risks Insurance is a non-life insurance policy under Belgian law, issued by AG SA/NV and distributed by BNP Paribas Fortis SA/NV. The policy takes effect at the commencement of the works and terminates at the provisional acceptance, occupation, or commissioning of the structure. Following provisional acceptance, a 12-month or 24-month maintenance period begins, concluding at final acceptance.

Comprehensive insurance for your construction sites

With AG’s All Construction Site Risks Insurance, you can rest assured: all damage is covered.

Protected construction chain

The contractor is insured, as are other persons carrying out work on the construction site, including the project owner, architect, and subcontractor, during both the construction period and any subsequent maintenance period.

Extensive and clear coverage

Your insurance policy is transparent, so you know exactly what is covered. Everything is insured, except for a few exclusions that are clearly mentioned in the standard terms and conditions.

Tailored insurance

To benefit from coverage tailored to your specific needs, you can select the additional risks you wish to insure for your construction sites, choosing from options such as material damage only, or also including ten-year liability and/or civil liability.

Avoid conflicts and wasted time

In the event of an accident, you can rest assured - there's no need to determine responsibilities, as everyone involved is insured. This means you can continue working without interruption.

The scope of your protection

Main risks covered

  • Construction or renovation of residential, commercial, or industrial buildings, including homes, apartments, offices, hangars, hospitals, warehouses, and more.

  • Public works, such as bridges, roads, tunnels, sewers, and other infrastructure projects.

  • All individuals involved in the construction site, including their own activities, such as: contractors, subcontractors, project owners, architects, engineers, design offices and safety coordinators. If one of these individuals causes an accident, they will not be held liable. A detailed list of insured persons can be found in the standard terms and conditions of the insurance policy.

Main risks not covered

  • Damage from war, labour conflict, attack, terrorist act or radioactivity

  • Fines and penalties

  • Wear and tear

  • Normally foreseeable damage

  • Damage caused intentionally

  • Damage resulting from total or partial abandonment of the worksite for three consecutive months

  • Non-compliance with industry standards, legal provisions, safety regulations, environmental protection regulations, etc.

Check the list of risks that are covered/not covered

Find out more

Check the documents below: 

Not satisfied?

If you have a complaint, you can address it to BNP Paribas Fortis SA/NV, JQABD Complaints Management Service, Montagne du Parc/Warandeberg 3, 1000 Brussels, Tel. 02 228 72 18, e-mail: gestiondesplaintes@bnpparibasfortis.com

You can also complete our online form: www.bnpparibasfortis.be> Suggestions or complaints > online declaration form

Alternatively, complaints may also be submitted to the Insurance Ombudsman at Square de Meeûs/De Meeûsplein 35, B-1000 Brussels: 884.072.054, Tel.: 02 47 58 71, info@ombudsman-insurance.be -
www.ombudsman-insurance.be

What happens in the event of an accident?

Have a problem with a construction site, need to file an accident report, or have another concern? Our team is here to help! 

Contact us

YOUR TAILORED CONTRACT

Create a contract tailored to your needs, step by step

1

Contact us

Contact your adviser at your branch or call the Easy Banking Centre on 02 433 43 34 for a video call.

2

Determining your needs

Tell us about your specific needs. We will assist you so that no detail is overlooked.

3

Create your contract

Create your tailor-made contract by choosing from two types of coverage: property insurance and liability insurance.

Contact your adviser or call the Easy Banking Centre on02 433 43 34

INSURE

Discover our other insurance products

  • Construction liability insurance

    This insurance, specifically designed for the construction sector and offering high insured capital, provides you with maximum protection through three comprehensive covers: Operational, Entrusted Objects, and Post-Delivery.

    More info

  • Compulsory ten-year civil liability

    As a construction and renovation professional, you are legally required to insure your ten-year civil liability.

    More info

Legal information

AG Insurance (abbreviated to AG) SA – Bd E. Jacqmain 53, B-1000 Brussels - www.aginsurance.be - info@aginsurance.be - RPM Brussels – VAT BE 0404. 494.849 - Insurance company authorised under code number 0079, under the supervision of the National Bank of Belgium, Bd de Berlaimont 14, 1000 Brussels.

Intermediary: BNP Paribas Fortis SA/NV, Montagne du Parc/Warandeberg 3, B-1000 Brussels - Brussels Register of Companies - VAT BE 0403.199.702, is registered under this number with the FSMA, Rue du Congrès/Congresstraat 12-14, 1000 Brussels, and acts as a linked insurance broker, remunerated through commissions/fees, for AG Insurance SA/NV. BNP Paribas Fortis SA holds more than 10% of the shares in AG Insurance SA.

Log out

Are you sure you want to log out?

Log outCancel
Session Time Out

Your session will be timed out in 02:00 seconds

Logout nowStay logged in
Warning

Your session will be timed out in 02:00 seconds

Ok
Help
Close
Warning

Do you really want to cancel?

NoYes
Warning

Are you sure you want to delete this (these) message(s)?

NoYes
Share your Easy Banking Web screen
If you are currently in phone or chat contact with an Easy Banking advisor, you can start sharing your Easy Banking Web screen.
Share the session number
In order to activate the sharing of your Easy Banking Web screen, please communicate the session number below to the Easy Banking advisor with whom you are in contact.

Session number: