Construction All Risk, Erection All Risk Insurance

Protect your project with construction all risk and erection all risk insurance. Aarrohi helps you get coverage against damage, delays, and on-site liabilities.

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Construction All Risk, Erection All Risk

- Construction All Risk | Erection All Risk Insurance Products

What Do We Offer

Protect your business, assets, and financial well-being with our wide range of insurance solutions designed to safeguard you from unexpected events. Our offerings include:

Construction All Risk

Material Damage

Coverage Includes:

  • Covers sudden and unforeseen physical loss or damage to the insured contract works.
  • Protection for site materials, structures, and ongoing works.
  • Optional extensions for construction plant and equipment, removal of debris, professional fees, and surrounding property.

Third-Party Liability

Coverage includes:

  • Covers accidental bodily injury or illness to third parties.
  • Protects against accidental loss or damage to third-party property.
  • Ensures compliance with contract obligations under the Letter of Award.

Additional Extensions

Extensions includes:

  • Terrorism, natural catastrophes, and environmental damage.
  • Non-negligent liability to cover damages not caused by contractor negligence.
  • Delay in Start-Up (DSU) insurance to cover financial losses due to project delays.
Erection All Risk

Material Damage

Coverage Includes:

  • Covers risks during the erection, testing, and commissioning of machinery and plant equipment.
  • Protects against breakdowns, explosions, and defects during testing.
  • Includes losses during the contractual maintenance period.
  • Can be extended to cover movement and re-erection of machinery.

Third-Party Liability

Coverage includes:

  • Covers bodily injury or illness to third parties.
  • Protects against property damage caused by installation or erection works.

Additional Extensions

Extensions includes:

  • Full design coverage for extended protection against design defects.
  • Overseas coverage for projects in selected international markets.
  • Extended maintenance period to cover damages occurring post-installation.
  • Environmental risk protection for hazardous site work.

**This insurance is ideal for contractors, developers, manufacturers, engineering firms, and the energy sector, offering protection against project delays, equipment damage, and liability risks.

- FAQ

Frequently Asked Questions

What is Construction All Risks (CAR) insurance?

CAR insurance covers damage to construction projects during the building phase. It protects against physical loss or damage to property, materials, and equipment, as well as third-party liability for any accidents on site.

What does Erection All Risks (EAR) insurance cover?

EAR insurance covers risks related to the erection, installation, and testing of machinery and structures. It provides protection during construction and the commissioning period.

Are CAR and EAR insurance policies mandatory for all construction projects?

While not legally required, these insurance policies are often mandated in contracts for larger or more complex projects to ensure protection for both contractors and clients.

Does CAR insurance cover delays in construction?

CAR insurance typically doesn’t cover project delays unless specifically included in the policy. Additional coverage like Delay in Start-Up (DSU) may be required for such risks.

Does EAR insurance cover damage during testing and commissioning?

Yes, EAR insurance covers damage during the testing and commissioning of equipment or structures before they are handed over to the client.

What third-party liabilities are covered under CAR and EAR insurance?

These policies cover third-party bodily injury or property damage caused by incidents during construction or erection, protecting against lawsuits or claims arising from accidents on site.

What is the difference between CAR and EAR insurance?

CAR insurance is for general construction work, while EAR insurance is specifically for machinery, plant, and steel structure erection and installation.

Does CAR insurance cover debris removal?

Yes, many CAR policies include coverage for the cost of removing debris after an incident or damage at the construction site.

Are there exclusions in CAR and EAR insurance?

Common exclusions include damage due to faulty design, wear and tear, or breakdowns unrelated to construction or erection activities.

Can CAR and EAR insurance cover equipment and machinery?

Both CAR and EAR policies can be extended to cover equipment and machinery used during construction or erection, though additional premiums may apply.

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