Erection All Risk (EAR) Insurance
Cover for machinery and plant while it is installed and tested.
Installing a production line, turbine or steel structure is when equipment is most at risk: lifting, assembly and first start-up. An Erection All Risk policy covers accidental loss or damage from the moment equipment arrives on site until it is handed over after testing.
Who needs it
- Factories installing new plant or production lines
- Power, solar and process projects
- Erection and installation contractors
What's covered
Erection and installation
Accidental damage during assembly and lifting.
Storage on site
Equipment waiting to be installed.
Testing and commissioning
Cover during the testing period, as agreed.
Third-party liability
Injury or damage to others caused by the work (optional).
What's not covered
We show you the catch before you buy. Common exclusions (exact terms vary by insurer and plan):
- Faulty design or defective parts (the defective item itself)
- Wear and tear
- Consequential loss and penalties
- Loss after handover or beyond the agreed testing period
Popular add-ons
Maintenance period
Cover after handover during the guarantee period.
Delay in start-up
Lost profit if a covered loss delays commissioning (advance loss of profit).
Documents checklist
To get a quote or buy
- Description and value of the equipment
- Erection schedule and testing period
- Site location and layout
- Contractor and manufacturer details
To make a claim
- Claim form and policy copy
- Site report and photos
- Manufacturer or engineer's report
- Repair or replacement invoices
Frequently asked questions
Does EAR cover the testing phase?
Yes, for the agreed testing and commissioning period, which is often a few weeks.
Is used (second-hand) machinery covered?
Testing cover for used equipment may be limited. Tell us so we can arrange the right terms.
Related cover
Contractor's Plant & Machinery (CPM) Insurance
Protects contractors' plant and machinery such as excavators, cranes and mixers against accidental damage on site, in storage and while moving within the site.
ExploreContractors' All Risk (CAR) Insurance
Covers civil works under construction, materials on site and third-party liability for the length of the project.
ExploreMachinery Breakdown Insurance
Pays to repair or replace machinery after sudden, unforeseen electrical or mechanical breakdown, which fire policies do not cover.
ExploreNot sure what you need?
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