Erection All Risk (EAR)
Comprehensive Insurance for Erection, Installation & Testing of Plant Machinery
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Erection All Risk (EAR) Insurance offers comprehensive financial protection for plant owners, contractors, and erection engineers during the installation, assembly, testing, and commissioning of heavy industrial machinery, electrical equipment, and power plants.
Assembling industrial plant machinery involves high risk of drop damage, testing explosions, electrical short-circuits, and fire. Dattani Insurance structures EAR policies covering equipment during storage, assembly, testing, commissioning, and third-party liabilities.
Erection All Risk (EAR) Details & Add-On Covers
Erection, Assembly & Testing Covers
- * Physical loss or damage to machinery during assembly & erection
- * Storage risks at project site prior to erection
- * Testing & Commissioning Period cover (hot & cold testing risks)
- * Damage from fire, lightning, explosion, storm, flood & earthquake
- * Faulty design, defective material or bad workmanship (Erection portion)
Third-Party Liability & Extensions
- * Third-party bodily injury & property damage during erection works
- * Express freight, air freight & holiday overtime working expenses
- * Clearance of debris expenses following accidental damage
- * Surrounding property belonging to the principal plant owner
Key Benefits & Highlights
What Is Covered Under Erection All Risk (EAR)
- Heavy Industrial Machinery, Turbines, Compressors & Boilers
- Electrical Transformers, Switchgear, Generators & Control Panels
- Plant Piping, Structural Steel Framework & Conveyor Systems
- Onsite Storage Inventory & Machinery Under Erection Assembly
- Testing & Commissioning Operational Risks & Third-Party Liabilities
Why Choose Dattani Insurance for Erection All Risk (EAR)?
With over 20 years of risk management experience led by Jay Dattani (The Insurance Specialist), we prioritize honest, need-based advising over selling generic policies. We guide you through policy comparison, optimal sum insured valuation, and dedicated claim settlement assistance.
Frequently Asked Questions
What is the difference between CAR and EAR insurance?
Contractors All Risk (CAR) applies to civil construction (buildings, roads, bridges), whereas Erection All Risk (EAR) applies to installation and testing of machinery and electrical equipment.
Is the testing and commissioning phase covered under EAR?
Yes, testing and commissioning coverage (usually up to 4 weeks or 3 months) is a vital component of EAR policies.
