Erection All Risks (EAR)

This policy offers comprehensive and adequate protection against all the risks involved in the erection of machinery, plant and steel structures of any kind, as well as third-party claims in respect of property damage or bodily injury arising in connection with the execution of an erection project.

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Scope of Cover

This policy offers comprehensive and adequate protection against all the risks involved in the erection of machinery, plant and steel structures of any kind, as well as third-party claims in respect of property damage or bodily injury arising in connection with the execution of an erection project.

Maintenance Visits Cover

The insurer’s liability during the maintenance period is limited to loss or damage caused by the insured in the course of the operations carried out for the purpose of complying with the obligations under the maintenance provisions of the contract.

Extended Maintenance Cover

In addition to the protection provided under the maintenance visits cover, this cover includes loss or damage occurring during the maintenance period but caused during the erection period on the construction site.

  • The manufacturer or supplier of machinery or plant if he carries out the erection work or is responsible for it, or
  • The firm commissioned with erection work

EAR insurance provides very wide cover. Almost any sudden and unforeseen loss or damage occurring to the property insured on the erection site during the period of insurance will be indemnified. The insurer will indemnify loss or damage due to the following causes:

  • Fire, lightning, explosion
  • Flood, inundation
  • Windstorm of any kind
  • Earthquake
  • Theft, burglary
  • Faults in erection
  • Negligence, lack of skill, lack of experience, malicious acts
  • Short-circuit, arcing, excess voltage
  • Excess pressure or vacuum, tearing apart on account of centrifugal force
  • Any other sudden and unforeseen event such as loss or damage due to collapse, foreign objects, on-site, transport of items to be erected, etc.

In addition, it is possible to extend the period of cover to include a maintenance period.

Maintenance Guarantee Cover

If the insured is the manufacturer of the machinery or plant to be insured and has also been commissioned with the erection work, the manufacturer’s liability for loss or damage during the guarantee period, as stipulated in the supply contract, can be included in the insurance to a certain extent in addition to the abovementioned covers.

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