Risk ResQConstruction Guarantees & Insurance Solutions
- Personal Insurance
- Business Insurance
- Long Term Insurance
- Short Term Insurance
Risk management built
for the realities of the jobsite.
From safety audits to claims support, every service is shaped by people who've stood on the site — not just studied it from behind a desk.
Protection Built for the Realities of Construction
At Risk ResQ, we understand that construction is a high-stakes industry involving numerous risks, stakeholders and variables. Construction insurance serves as a critical safeguard for contractors, developers, property owners and professionals operating in the built environment. From the first shovel in the ground to the final finishing touch, unforeseen incidents can cause significant financial and operational setbacks. Our tailored insurance solutions are designed to protect your people, assets, equipment and reputation, giving you the confidence to build securely and sustainably.
Construction insurance is not one-size-fits-all. Projects vary in scope, complexity and risk exposure — that's why we offer a full spectrum of construction-specific insurance products addressing every facet of risk management, from material damage and third-party liability to employee safety, equipment protection and professional responsibility. We pride ourselves on deep industry expertise, fast claims resolution and proactive risk advisory, so whether you're constructing a residential complex, a commercial hub or an infrastructure project, Risk ResQ provides the protection you need to keep your project on track and your business secure.
Category 01
Core Site & Liability Cover
The foundation covers most construction projects rely on, from damage on site to the safety of the people working on it.
Contractor's All Risk Insurance (CAR)
Covers damage to the construction works, materials and equipment on-site, including protection against fire, theft, flood, collapse and other site-related risks.
Public Liability Insurance
Protects against third-party injury or property damage claims arising from construction activities.
Employer's Liability / Workman's Compensation
Covers workers for injuries, illness or death while on duty — often a legal requirement depending on country-specific labour laws.
Construction Plant & Equipment Insurance
Covers hired or owned machinery — cranes, excavators, scaffolding — against damage or theft.
Contractor's Liability Insurance
Broader coverage for liabilities contractors may incur during the execution of a project.
Category 02
Professional & Product Risk
Cover for the people and materials behind the build — design, workmanship and the products that end up on site.
Professional Indemnity Insurance
Covers architects, engineers, quantity surveyors and project managers against claims of negligence, errors or omissions in professional services.
Product Liability Insurance
Covers the use of defective building materials or equipment that may cause harm or damage after installation.
Environmental Liability Insurance
Covers pollution or environmental damage caused by construction activities, including cleanup costs.
Category 03
Guarantees & Bonds
Financial guarantees that protect project owners and give contractors the credibility to compete for, and deliver on, contracts.
Performance Guarantee Insurance (Bonds)
A guarantee that the contractor will perform according to contract terms, protecting the employer financially if the contractor defaults.
Advance Payment Bonds
Guarantees repayment of any advance payment made to a contractor should they fail to fulfil their contractual obligations.
Bid / Tender Bonds
Protects the project owner if the winning bidder fails to sign the contract or provide the required guarantees.
Retention Bonds
Substitutes the cash retention normally withheld from contractors, offering liquidity and protection.
Maintenance / Defects Liability Bonds
Covers the contractor's obligation to fix defects discovered during the defects liability period post-completion.
Subcontractor Default Insurance (SDI)
Covers the main contractor against financial losses caused by subcontractor failure — insolvency or non-performance — as an alternative to requiring performance bonds from subcontractors.
Category 04
Project & Business Continuity
Protection against the delays, defects and disruptions that can derail a project's timeline and cash flow.
Delay in Start-Up Insurance (DSU)
Covers financial losses due to project delays caused by insured risks like fire, flood or machinery breakdown.
Project-Specific Insurance
Tailored cover arranged for large or complex construction projects, combining multiple policies under one umbrella.
Latent Defects Insurance (Structural Warranty)
Covers structural issues that appear after project completion due to hidden defects in design, workmanship or materials.
Non-Damage Business Interruption Insurance
Covers financial loss from delays that aren't caused by physical damage — permit delays or supply chain disruptions, for example.
Category 05
Specialist & Modern Risk
Targeted cover for the vehicles, people, data and receivables that keep a construction business running.
Third-Party Motor Insurance
Covers construction vehicles used on and off-site for injury or damage caused to third parties.
Key Person Insurance
Provides financial support if a key person — a director, lead engineer or project manager — dies or becomes disabled.
Cyber Insurance
Relevant for contractors using cloud-based project management, BIM or other digital tools exposed to cyberattacks or data breaches.
Trade Credit Insurance
Protects construction companies from losses due to client insolvency or delayed payments on accounts receivable.
Our Unique Value Proposition
Four things that make working with Risk ResQ different from a standard underwriter.
Built By Contractors, Not Just Underwriters
Our founders are construction professionals themselves, with 20+ years of combined industry experience — we've stood where our clients stand.
Comprehensive, Not One-Size-Fits-All
From bid bonds to cyber cover, our guarantees and insurance are tailored to your project's scope, complexity and risk exposure — not a generic template.
Project Continuity, Start To Finish
We're with you from the first shovel in the ground to the final handover, helping keep your project moving even when the unexpected happens.
Licensed & Regulated
An Authorised Financial Services Provider (FSP 54423) and NCR-registered credit provider (NCR NCRCP23245) — properly regulated protection you can rely on.
Our Application Process
Applying for our construction guarantees typically involves the four steps outlined here — from documentation through to receiving cover.
Gather Documentation
Prepare the necessary documents, including company financial statements, project details, and identification documents.
Submit Application
Complete the application form provided by Risk ResQ, ensuring all required information is included.
Assessment
Our team will review your application, evaluating your financial standing and project information.
Receive Coverage
Once approved, the construction guarantee or insurance will be issued, allowing you to proceed with your project confidently.
Licensed, Regulated, Accountable
Every guarantee and policy we issue is backed by full regulatory compliance.
Authorised FSP
Licence No. 54423NCR Registered
NCR No. NCRCP23245Registered Company
Reg No. 2024/396004/07VAT Registered
VAT No. 4490318237Answers Before You Apply
Can't find what you're looking for? Contact us and we'll walk you through it.
However You'd Like to Reach Us, We're Ready
Chat to us on WhatsApp, send an enquiry through our contact form, or speak to our team directly — whichever's easiest for you.
Message Sent!
Thanks, Jason — we've received your enquiry and will be in touch shortly.
Other Ways to Reach Us
WhatsApp Us
082 467 5690 — chat instantlyEmail Us
info@riskresq.co.zaBusiness Hours
Monday – Friday, 08:00 – 17:00Follow Us