It is property insurance by which any building or
civil engineering project under construction is
protected against accidents resulting in physical
damage to or the destruction of works in progress, materials and other similar items brought to site.
It can be extended to cover Third Party Liability.
It is an all risk policy.

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This policy covers loss due to all kinds of accidental, electrical and mechanical breakdowns, physical loss of or damage to the insured’s machinery, necessitating repair or replacement. Cover is granted during the time the machinery is in operation or rest or in the process of dismantling, overhauls or during subsequent re-erection at the same premises.

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Erection all Risk insurance policy also known as EAR, is a policy that covers risks associated normally with a construction project where machinery build up is involved. Two sections constitute the main parts of this policy:
Material damage and Third Party Liability

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Contractor’s plant and Machinery insurance policy also known as CPM, is a policy that covers the contractors machinery and Equipment while operating on site, in transit or while stationed in the insured’s yard.

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This insurance covers all sudden and unforeseen physical losses, which are not subject of exclusions, listed in insurance conditions. Subject of insurance are individual pieces of equipment or computer and data processing equipment of the insured. Electronic equipment insurance mainly covers material damage caused by Operation, electric energy (short circuit, excess voltage), human element (lack of skill , negligence) and manufacturer (faulty design , defects in material)

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