Essential protection for South African construction projects against special risks including civil commotion, riots, strikes, and terrorism
SASRIA (South African Special Risk Insurance Association) provides coverage for damage caused by special risks that are typically excluded from standard insurance policies. This is essential coverage for construction projects in South Africa.
Coverage for strikes, riots, and public disorder affecting your construction site
Protection against acts of terrorism and politically motivated violence
Coverage for damage from public unrest and political disturbances
Standard CAR policies exclude damage from riots, strikes, and civil commotion
South Africa's history makes SASRIA coverage particularly important
Construction sites are vulnerable to vandalism and damage during unrest
Comprehensive protection against special risks
Damage caused by labor strikes, riots, and civil commotion including vandalism and looting
Acts of terrorism including sabotage and politically motivated attacks on construction sites
Damage from public disorder events, political disturbances, and civil unrest
While not legally mandatory, SASRIA coverage is highly recommended for all construction projects in South Africa. Many project owners and lenders now require SASRIA coverage as a condition of contract.
SASRIA does not cover war between nations, nuclear risks, or damage caused by lawful government actions. Normal wear and tear and mechanical breakdown are also excluded.
SASRIA premiums are typically calculated as a percentage of the contract value, usually around 0.125%. The exact rate depends on the project location, type, and risk assessment.
Yes, SASRIA coverage can be added to existing Contractors All Risk policies. Contact us to discuss adding this coverage to your current construction insurance.
Get a comprehensive quote including free Bid Bonds and optional SASRIA cover within 24 hours.