What Is Erection All Risk Insurance?
Erection All Risk (EAR) insurance covers physical loss or damage to machinery, plant and equipment during erection, installation, testing and commissioning. Its counterpart, Contractor's All Risk (CAR) insurance, covers civil construction works.
Cover typically includes fire, natural calamities, theft, accidental damage, faulty erection and testing mishaps, and can be extended to third-party liability at the project site, removal of debris and maintenance periods.
Projects involve high-value assets and significant risks during their most vulnerable phases. EAR insurance protects the project owner, contractors and lenders until the plant is handed over.
Why Do You Need EAR Insurance?
High-Value Projects
Protects major capital investments during vulnerable construction phases.
Comprehensive Cover
Fire, natural calamities, theft and erection mishaps covered under one policy.
Contractual Requirement
Often mandatory under project contracts and lender terms.
Third-Party Liability
Covers damage to surrounding property and injury to persons.
Why Choose Our Project Insurance Services?
We help project owners and contractors arrange cover that matches the project timeline and contract terms.
Project Review
Project value, timelines and contract obligations understood in detail.
Tailored Extensions
Testing, maintenance and liability extensions included as needed.
Market Placement
Terms compared across insurers.
Claims Coordination
Support with surveyors and engineers during claims.
Our Process
- Risk Survey We understand your operations, assets, people and contracts.
- Programme Design The right covers, sums insured and extensions for your risks.
- Market Placement Competitive terms obtained from multiple insurers.
- Policy Issuance Smooth documentation, onboarding and endorsements.
- Claims & Renewals Survey coordination, claim settlement and timely renewals.
Start Your Journey Today
Speak with our team for a personalised, no-obligation discussion.
Frequently Asked Questions
Who should buy EAR insurance?
The project owner, the contractor or both, depending on the contract terms.
Does it cover testing?
Yes, testing and commissioning periods can be covered as specified in the policy.
What is the difference between EAR and CAR?
EAR covers erection of machinery and plant; CAR covers civil construction works.
How long does the cover last?
Usually for the project period, including testing, and optionally a maintenance period.
Is third-party liability included?
It can be included as an extension, covering damage to surrounding property and persons.