Erection All Risk Insurance

  •  About Policy 
  •  Eligibility 
  •    Scope Of Cover 
  •    Extensions 
  •    Exclusions 
  •    Rating 

About Policy

Erection All Risk (EAR) insurance protects principal and contractors, manufacturers and suppliers erecting machinery and plant etc. against financial loss. This may be due to any sudden fortuitous and unforeseen causes resulting in loss or damage to the property insured at the project site whilst being stored, erected, tested and commissioned.

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EAR policy can be taken by Principal, contractor or sub-contractor, either individually or jointly.


Scope Of Cover

Erection All Risks (EAR) Policy covers all risks with respect to projects of erection, testing and commissioning subject to exclusions and term and conditions.

This policy covers risks associated with storage, assembly/ erection and testing of plant and machinery. EAR insurance provides comprehensive cover which includes all perils unless some are specifically excluded. The cover comes into effect from the time of unloading of the first consignment at the project site and terminates on completion of testing or handing over of the project to the Principal, or the period chosen, whichever is earlier.



While every effort is made to give you the best possible services, any loss/damage to the vehicle and/or its accessories will be not be covered if caused by the following:

  • Air freight
  • Express freight, holiday and overtime rates of wages
  • Additional customs duty
  • Contractors plant and machinery up to specified limits
  • Storage risk at fabricators premises
  • Clearance and removal of debris
  • Third party liability
  • Cross liability
  • Surrounding property
  • Escalation

There is also a provision for extending the policy period and testing period during the currency of the policy.



  • War and nuclear group of perils
  • Wilful act / negligence
  • Loss discovered at time of taking inventory
  • Normal wear and tear; gradual deterioration due to atmospheric conditions or otherwise, rust
  • Scratching of painted or polished surface, breakage of glass
  • Loss or damage due to faulty design, defective material or casting and bad workmanship (limited to items immediately affected)
  • Cost of rectification or correction of any error during erection not resulting in physical loss or damage
  • Damage to files, drawings, accounts and bills etc.
  • Penalties for non-fulfilment of contractual obligations
  • Consequential losses
  • Aesthetic defects
  • Operational deficiencies
  • Costs of any alterations, additions and/or improvements after a claim
  • Contractor's plant and machinery loss or damage by its own explosion/mechanical electrical breakdown/derangement

Basis of sum insured: Completely erected value of the property inclusive of freight, custom duty and erection costs.



The rating depends on:

  • Type of projects
  • Period of projects
  • Testing period
  • Sum insured of project
  • Deductible
  • Location of project
  • Extensions opted
  • The details furnished above do not constitute the entire coverage, exclusions, terms and conditions. For complete details, please refer to our policy document.

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