The Erection All Risk (EAR) policy is tailored to cover the risk of loss arising from the erection and installation of machinery, plants and steel structures. It includes coverage for physical damage to contract works, equipment and machinery, as well as liability for third-party bodily injury or property damage  arising from these operations.

Scope of Coverage

Covered Parties

  • General contractors
  • Subcontractors
  • In some cases, suppliers and manufacturers of equipment

Types of Projects Covered

  • Power plants
  • Manufacturing and fabrication facilities
  • Water and wastewater treatment facilities
  • Telecommunications centers, especially for the erection of signal towers

Cover Benefits

  • Post-Installation Coverage

    The policy can be extended to cover periods of commissioning post-installation

  • Temporary Custody Coverage

    Cover can be extended to include temporary custody of machines during repair or maintenance

  • Comprehensive Coverage

    Covers erection, installation and commissioning of plant and machinery.
    Includes associated building work specified in the policy, such as the construction of a plant room or laying of foundations

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