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Construction & Engineering

Erection All Risk (EAR)

Specialized for the installation of machinery, plant, and steel structures.

Overview

EAR insurance provides all-risk cover for the erection and installation of machinery, mechanical plant, and steel structures of all kinds.

1Who needs this?

Mechanical & Electrical Contractors
Factory Owners installing new lines
Power Plant Developers
Infrastructure Projects

What it covers

  • The erection/installation work
  • Testing and commissioning period
  • Third-party liability during installation
  • Damage to existing property

What is NOT covered

  • Faulty workmanship
  • Cessation of work
  • Financial penalties for delays

Important Note: Coverage details, limits, and exclusions may vary depending on the specific policy terms, the insurer selected, and individual risk profiles. Always refer to the actual policy document for full terms and conditions.

Common Claim Scenarios

Turbine Installation Mishap

"A specialized turbine was being installed in a manufacturing plant. During the lifting process, a cable snapped, causing the turbine to fall and sustain internal damage. The EAR policy covered the repair costs and the cost of shipping parts from overseas."

Frequently Asked Questions

What is the difference between CAR and EAR?
CAR is for civil works (buildings, roads), while EAR is for mechanical and electrical works (machinery, power plants).
Does EAR cover the testing phase?
Yes, EAR is unique because it includes a critical testing and commissioning period, which is often the highest risk phase.
Can I cover the machinery while in transit?
Yes, 'Marine Inland Transit' can often be added to cover the machinery from the port to the site.
Is third-party liability included?
Yes, Section II of the EAR policy typically covers legal liability for third-party bodily injury or property damage.
What happens if the project is delayed?
Standard EAR doesn't cover financial loss from delays, but 'Advance Loss of Profits' (ALOP) can be added as a specialized cover.

Other Insurance Solutions

Contractors All Risk (CAR)

Comprehensive protection for contract works, construction plant, and third-party liability.

Learn More

Commercial General Liability (CGL)

Covers bodily injury and property damage to third parties arising from your operations.

Learn More

Product Liability

For manufacturers, importers, and distributors against claims of injury or damage caused by products.

Learn More
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