Mjengo Care

• Comprehensive All-Risk Cushion: Broad physical coverage that protects ongoing works against almost all accidental physical damages not explicitly excluded.

• Contractor & Principal Joint Protection: Policy can be issued jointly in the names of the main contractor, sub-contractors, and the project owner/financier.

• Maintenance Period Extension: Covers accidental damages occurring during the defect liability/maintenance period post-handover.

• Customizable Project Limits: Scalable coverage options tailored to small residential buildings, commercial complexes, or large-scale civil infrastructure projects.

KEY COVERAGE SECTIONS

• SECTION A: Contract Works & Material Damage

  Covers physical loss or damage to temporary and permanent construction works, building materials, and structures caused by fire, floods, storms, landslides, collapse, or malicious acts.

• SECTION B: Construction Plant & Equipment (CPE)

  Protects heavy site machinery, concrete mixers, scaffolding, cranes, and specialized construction tools against accidental damage, breakdown, or theft on site.

• SECTION C: Third-Party Public Liability

  Shields project owners and contractors against legal liabilities for accidental third-party bodily injury, death, or surrounding property damage occurring in connection with the construction work.

• SECTION D: Site Workers WIBA Extension

  Provides mandatory statutory cover for site laborers, artisans, and supervisors against medical costs, permanent disability, or accidental death sustained in the course of employment.