Install With Confidence, Insure With Intelligence!
Comprehensive erection all risk insurance for India’s industrial installations. Get protection for machinery erection, testing, and commissioning with coverage that understands engineering complexity.
From Unboxing to Test-Run—We Cover Every Bolt!
- India's top engineering insurers, installation-tested protection
- Complete Coverage, Delivery to Commissioning
- EAR Insurance Made Simple, Expert Engineering Shield
- Every Phase Protected, Every Risk Covered
Erection All Risk Insurance
Trusted By 1500+ Enterprises
From Startups to Stalwarts, India’s Finest Choose CoverBizz
What is Erection All Risk Insurance
EAR Insurance: Your Machinery Installation’s Safety Net!
Think of EAR insurance as having a team of insurance engineers babysitting your multi-crore machinery from delivery truck to final test-run! It’s comprehensive protection for plant and machinery during the trickiest phase—erection, installation, testing, and commissioning—because expensive equipment and gravity are natural enemies.
Whether you’re installing a â‚ą50 crore power plant or setting up automated manufacturing lines, EAR insurance ensures that installation mishaps don’t cost more than the machinery itself. It’s like having warranty coverage that actually covers real-world installation drama—not just factory conditions!
Why Is This Policy Vital for Industrial Projects
Because Installation Is Where Expensive Becomes Catastrophic!
Machinery and plant equipment represent 60-80% of industrial project costs, with single units costing â‚ą10 crore to â‚ą500 crore. Erection phase sees 40% of project claims due to technical complexity. EAR insurance is the difference between “successful commissioning” and “insurance for bankruptcy lawyers.” It’s survival insurance for industrial India!
Who Needs Erection All Risk Insurance?
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Power Plant Developers
Thermal, solar, and wind energy projects need coverage for turbine installation, generator setup, and grid connection.
Manufacturing Companies
Factories installing production lines, CNC machines, and automated systems require comprehensive erection protection.
Telecom Infrastructure
Cell tower erection, transmission equipment installation, and networking setup need specialized coverage.
Chemical & Pharmaceutical Plants
Process equipment installation, reactor setup, and pipeline erection require EAR coverage.
Water Treatment Facilities
Pumping stations, treatment plants, and distribution systems need installation phase protection.
Steel & Cement Plants
Heavy industrial machinery erection, kiln installation, and furnace setup require robust coverage.
Types / Add-ons Commonly Offered
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Material Damage Section
Machinery and equipment damage coverage
Third-Party Liability
Property damage and injury coverage
Marine Transit Cover
Combined marine-cum-EAR for imports
Testing & Commissioning
Extended coverage during test-runs
Maintenance Period
Post-commissioning coverage (6-12 months)
Surrounding Property
Existing plant and property coverage
What Erection All Risk Insurance Covers
Installation Damage
Testing Failures
Commissioning Errors
Fire & Explosion
Collapse & Fall
Electrical Breakdown
Operator Error
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Natural Disasters
Theft & Vandalism
Third-Party Liability
Storage Damage
Transit from Port
Inclusions & Exclusions
Inclusions
Machinery Under Erection
All equipment, machinery, and components during storage, installation, and testing phases
Testing & Commissioning
Damage during trial runs, load tests, and performance verification
Third-Party Liability
Legal liability for property damage and bodily injury during erection activities
Surrounding Property
Existing plant and property damage from erection activities (when included)
Professional Fees
Engineer and supervisor fees for damage assessment and redesign up to 5% of claim
Exclusions
Design Defects
Manufacturing defects, faulty materials, and design errors (only consequential damage covered)
Defective Workmanship
Costs of rectifying poor erection work (only resultant damage covered)
Wear & Tear
Normal testing adjustments and minor damages during commissioning excluded
Electrical/Mechanical Derangement
Internal failures without external damage evidence excluded
Consequential Loss
Production loss, penalty clauses, and indirect damages beyond BI scope excluded
Insurance Partners
We’re Partners With 20+ Major Insurance Companies
FAQ's
With marine-cum-EAR combo! Standard EAR starts at site delivery. Shipping separately = marine needed, combo policy = covered!
Yes! Damage during load tests and commissioning trials is covered. Test-run explosions = covered, design tweaks = not!
CAR covers civil works (buildings); EAR covers machinery installation. Concrete = CAR, motors = EAR!
No! Maintenance period (typically 6-12 months) needs specific inclusion. Commissioning ≠coverage end!
Only with surrounding property extension! Standard EAR covers new machinery only. Old plant protection = add-on needed!
From first delivery at site! Coverage lasts through installation, testing, commissioning, and maintenance period. First box = coverage start!
Customers Says..​
Mr. Amit Shah (Project Head, GreenPower Solutions, Ahmedabad)
Dr. Kavita Reddy (Plant Manager, Reddy Pharma, Hyderabad)
