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Erection All Risks Policy

Erection All Risk policy:

Erection All Risks (EAR) policy is designed to cover Plant and Machinery under erection. Interest of Suppliers/Manufacturers, Contractors, Subcontractors can be recorded in the policy.

UIN: IRDAN115CP0052201920

Product Code: 5006

More Details

Scope of cover

  • This policy covers risks associated with storage, assembly/erection and testing of Plant and Machinery. EAR insurance provides comprehensive cover.
  • All perils are covered unless specifically excluded.
  • Cover commences from the date of arrival of first consignment at site
  • Cover terminates on the date of expiry as per policy or on completion of Erection and Trial run whichever is earlier.
  • In the event of non-completion of the project within the period as per policy, cover may be extended for such further tim as may be required at additional premium


  • Owners' Surrounding Property
  • Removal of Debris
  • Additional Customs Duty
  • Air-Freight
  • Express freight, Overtime charges, Holiday wages etc.
  • Contractors’ Plant & Machinery (upto Rs.25 lacs)
  • Third Party Liability(with/without Cross liability)
  • Maintenance Visit or Extended Maintenance
  • Catalyst during Hot test (Petrochemical risks)
  • Holiday and Overtime rates and Wages.
  • Escalation.

It is possible to integrate transit insurance (inland/overseas) on project materials with EAR policy and opt for a combined Marine-cum-Erection policy.


  • Excess in respect of each claim as stipulated
  • Inventory Losses, Normal wear & tear and gradual deterioration due to atmospheric condition or otherwise, rust, scratching of painted or polished surface or breakage of glass.
  • Loss or damage due to faulty design, defective material or casting
  • War and warlike operation
  • Nuclear reaction, nuclear radiation or radioactive contamination.
  • Willful act or negligence of Insured.
  • Consequential Losses of any kind or description such as losses due to penalty, delay, lack of performance, loss of contract.


  • Leading private sector insurance company having wide network of offices across India
  • Experts in insurance offering risk advisory services including risk minimization & mitigating insured’s risk
  • Facultative arrangement with leading A rated re-insurers
  • Wide coverage through widely accepted policy wordings
  • Each & every risk is thoroughly assessed & right priced
  • High customer servicing standards
  • Claims management: simple procedures, speedy settlements
  • Financial strength & supreme claim paying capacity
This is not an exhaustive list. For details, please read our policy terms and conditions.