Construction & Related Services

Specialist construction cover on all projects and contracts throughout Sub-Saharan Africa.

Sub-sectors: Residential | Commercial | Industrial| Specialist Erection & Installation Projects |Civil Works | Specialist Sub-Contracting

Are you a contractor on a large, complex project involving many sub-contractors and project phases? Do you have a small business that does maintenance, refurbishment or repair work?

Whether you have big or small construction insurance requirements – speak to Indwe. Our specialist construction team is able to arrange tailored solutions that provide the foundation you need to get your projects and tasks completed, without obstacles getting in your way.

With our network of Independent African Brokers we are also able to arrange construction insurance cover for projects throughout Sub-Saharan Africa.

AIPL - The simple approach that ensures you have the cover you need as you grow your business

Indwe Risk Services endeavours to simplify the sometimes complex risk identification and evaluation process by using our AIPL approach. This accommodates practically all insurable risks and can be used for any sized company, from a small home-based business to a large multinational organisation. We will ensure you have all the cover you need as your business expands.


  • Fixed or mobile, e.g. buildings versus vehicles
  • Tangible or intangible, e.g. property versus trademarks, designs and patents
  • Owned, operated, leased or borrowed, e.g. contractual conditions
  • Local or international, e.g. statutory considerations


  • Income from trading operations
  • Non-trading income
  • Income from intangible assets
  • Personal income protection of owner(s)
  • Fixed contract purchases
  • Fixed costs
  • Variable costs
  • Non-trading expenditure
  • Alternative suppliers
  • Client dependency


  • Own people, e.g. trade risks, employee fraud, labour-related issues, legal liabilities, employee benefits
  • Third party contractors, e.g. personal injury, complicity with employees, labour-related issues, trade risks
  • Clients/Customers, e.g. dependency, competitive forces, credit risk exposures
  • Suppliers/Service Providers, e.g. dependency, competitive forces


  • Common Law
  • Statutory
  • Indigenous
  • International
  • Contractual
  • Criminal
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