Secure Your Installation Project
EAR Insurance provides all-risk protection against sudden and accidental damage during the erection, testing, and commissioning of heavy machinery and industrial plants.
All-Risk Cover
Testing & Commissioning
Third-Party Liability
Key Features & Coverage
All-Risk Erection Cover
Protects machinery, equipment, and structures during erection against fire, explosion, short circuit, accidental drops and natural perils.
Third-Party Liability
Optional cover for legal liability arising from bodily injury or property damage to third parties.
Testing & Commissioning
Covers sudden damage during trial runs, hot testing, and performance commissioning of plant and machinery.
Marine Transit Extension
Extends cover to equipment and materials in transit to site by sea, air, or land until acceptance on site.
Delay & Loss of Profit
DSU and ALOP extensions indemnify project delays and revenue loss due to insured physical damage.
Covered Items
Installed plant, machinery & steel structures
Contractor’s tools, tackles & erection equipment
Materials, accessories & spares at site
Materials in transit (with Marine Transit cover)
Testing, calibration & commissioning works
Third-party injury & property damage liability
Key Exclusions
War, terrorism, nuclear risks
Wear & tear, gradual deterioration
Design defects & faulty workmanship
Loss solely due to delay or penalties
Damage to existing structures (unless insured)
Frequently Asked Questions
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