Construction & Builder’s Risk Insurance in Cambodia
Building a property in Cambodia comes with many risks — from fire and theft to unexpected damage during construction. Builder’s Risk Insurance, also known as Construction Insurance, is designed to protect your project, materials, and equipment while work is in progress.
What Does Builder’s Risk Insurance Cover?
A builder’s risk policy typically covers damage caused by:
Fire, lightning, explosion
Theft or vandalism at the job site
Wind and other accidental events during the construction period
It’s a temporary policy that safeguards the value of your project until construction is complete and the property is ready for occupancy.
⚠️ What’s Not Covered
Standard builder’s risk policies usually exclude:
Earthquakes and floods (unless specifically added as endorsements)
Damage from wind in coastal or high-risk zones
Workplace injuries or accidents
You can easily add earthquake or flood riders to your policy — these are often quite affordable and highly recommended depending on your project’s location.
When Should Coverage Begin and End?
Your construction coverage should start before materials are delivered to the site, ensuring full protection during every stage of the build.
Coverage typically ends upon:
Completion or occupancy of the property
Sale or transfer to the new owner
The policy expiration date
Once the building is complete, the new owner should switch to a homeowner’s or commercial property insurance policy for ongoing protection.
Why Choose AG Cambodia
As an experienced insurance broker in Cambodia since 2006, AG Cambodia works with leading local and international insurers to secure the best builder’s risk coverage for:
Developers and contractors
Residential and commercial construction projects
Renovation or extension works
We help you compare quotes, tailor coverage, and handle claims efficiently — so you can focus on building.
