Material Damage Protection
Protects machinery, plant, equipment and materials involved in the erection or installation project against accidental physical loss or damage.
Erection All Risk (EAR)
Protect Every Stage Of Erection. Keep Your Project Moving.
Erection All Risk (EAR) Insurance protects the erection, installation and commissioning of machinery, plant and equipment against accidental loss or damage, and can also cover third-party liability.
Installation Risk Protection
Material Damage Coverage
Commissioning Cover
Third-Party Liability Protection
Flexible Project Specific Extensions
What Is Erection All Risk (EAR)?
Understanding Erection All Risk (EAR)
Erection All Risk (EAR) Insurance protects the erection, installation and commissioning of machinery, plant and equipment against accidental physical loss or damage, and can also include third-party liability protection.
What Does It Cover?
- Accidental physical loss or damage during erection and installation
- Machinery, plant, equipment, and materials at the project site
- Risks arising during testing and commissioning
- Temporary works and installation-related property
- Third-party bodily injury or property damage liability
Example:
If newly installed machinery is accidentally damaged during testing and commissioning, EAR Insurance can help cover the eligible cost of repairing or replacing the damaged equipment, subject to the policy terms and conditions.
Coverage Components
Comprehensive Protection At Every Level
Testing & Commissioning Protection
Covers specified accidental loss or damage during testing and commissioning of installed machinery or equipment, subject to policy conditions.
Third-Party Liability Protection
Protects against legal liability for accidental bodily injury or property damage to third parties arising from the insured erection or installation project.
Construction & Erection Equipment
Can provide protection for specified tools, equipment, temporary structures, and other property used in connection with the erection and installation work.
Debris Removal
Covers eligible expenses for removing debris after insured loss or damage at the project site, subject to limits and conditions.
Escalation
Allows for increases in the value of equipment, materials or project costs during the policy period, subject to the selected limit and conditions.
Maintenance Period Protection
Where selected, cover can extend into the maintenance period for specified loss or damage under the maintenance clause.
Additional Project Extensions
Depending on the project, additional extensions may be considered for specific erection and installation exposures, subject to underwriting.
Advisory Support
Protect Your Project Before Risk Finds You
Erection projects involve complex equipment, testing and timelines. We structure EAR solutions around your project's risks.
- 1.
Project Risk Assessment & Needs Analysis
We understand the project scope, equipment, contract value, erection period, testing schedule and site conditions.
- 2.
Policy Design & Placement
Our specialists structure appropriate limits, deductibles, extensions, and liability protection and place the risk with suitable insurers.
- 3.
Policy Documentation & Support
We coordinate policy documentation to ensure project details, insured property and coverage are accurately reflected.
- 4.
Dedicated Claims Advocacy
Our team supports the claims process from initial notification through documentation, insurer coordination, assessment, and resolution.
- 5.
Project Review & Policy Closure
We monitor project changes and support amendments, extensions, maintenance-period needs and final closure.
Ready To Explore Erection All Risk (EAR)?
Protect your erection and installation project with coverage designed around its specific risks and requirements.
Frequently Asked Questions
Answers to Common Insurance Queries
EAR focuses on installation and assembly of machinery, equipment and plant, with testing and commissioning presenting specialised physical damage exposures.
Testing can expose equipment to operational stresses before commercial operation, requiring appropriate consideration of testing duration, procedures and insured values.
Equirus Raghnall evaluates equipment values, erection methodology, testing period, project location, contractors and third-party liability exposure.
Project changes are reviewed against insured values, timelines and policy provisions and coordinated with insurers to ensure continuity of cover.
