Erection All Risks Insurance

Protect Your Installation & Erection Projects With Confidence

Get reliable Erection All Risks insurance guidance for machinery, equipment, and industrial projects with coverage built around real-life installation risks.

Introduction Section

Secure Your Project With Reliable EAR Insurance

Erection All Risks (EAR) Insurance is specially designed for projects involving the installation and erection of machinery, equipment, and industrial plants against accidental loss, damage, and third-party liabilities.

Large engineering and industrial projects face various risks during transportation, unloading, erection, testing, and commissioning. Unexpected incidents can lead to costly repairs, project delays, and financial losses.

EAR Insurance provides financial protection against accidental physical damage to insured property as well as third-party liability claims arising during project execution. Whether you are installing manufacturing equipment, power plants, turbines, boilers, transformers, or industrial machinery, EAR Insurance helps safeguard your investment throughout the project lifecycle.

In India, having proper project insurance is essential for contractors, engineering firms, and project owners to ensure financial security and compliance with contractual obligations.

Project Protection Coverage against accidental damage during erection and installation.
Financial Security Protect project investments from unexpected losses and delays.
Liability Coverage Protection against third-party injury and property damage claims.
Types of Insurance Plans

Find The Right Plan For Your Project

From machinery installation to industrial plants and power projects, we have tailored EAR plans built for every kind of project and every kind of need.

Manufacturing icon
Manufacturing & Industrial

Equipment Installation Cover

Comprehensive protection for machinery, boilers, transformers, and industrial equipment during erection and installation phases.

Power icon
Power & Energy Sector

Power Plant & Substation Cover

Protection for power plant installations, transformer erection, substations, and renewable energy project setups with specialized coverage.

Construction icon
Infrastructure & Construction

Project Erection Cover

Insurance for large-scale infrastructure projects, industrial installations, and construction machinery setup covering risks from erection through commissioning.

Special Projects icon
Testing & Commissioning

Complete Project Lifecycle Cover

Extended coverage for testing, trial runs, and commissioning activities. Designed to protect your project through every phase from installation to handover.

Additional Coverage Types

Extended EAR Protection Options

Choose additional coverages to enhance your project protection based on specific installation requirements.

Testing and Commissioning Cover

Testing & Commissioning Cover

  • Coverage for risks occurring during testing, trial runs, and commissioning activities
  • Protects against damage during operational readiness phase
Operational Readiness
Comprehensive EAR Insurance

Comprehensive EAR Insurance

  • Provides combined protection for erection works, machinery, and testing risks
  • Includes third-party liabilities and complete project lifecycle coverage
Complete Protection
Documents Required

Keep These Ready Before You Apply

Having the right documents in hand makes your policy issuance, and claim process faster and hassle-free.

01
Project Documents

Project Documents

Project Scope & Contract Project Details
02
Equipment Details

Equipment Details

Machinery Specifications Equipment Value
03
Business Documents

Business Documents

PAN Card GST Certificate Aadhaar Card
04
Project Cost

Project Cost

Estimated Installation Cost Erection Cost
What's Covered

Protection That Works For You

  • Accidental damage during erection and installation
  • Fire and explosion damage
  • Flood, storm, and cyclone damage
  • Earthquake and natural calamities
  • Damage during testing and commissioning
  • Collapse of erected structures
  • Impact damage and short circuit
  • Human error during installation
  • Damage during unloading and handling
  • Third-party bodily injury liability
  • Third-party property damage liability
  • Legal defense costs and debris removal
What's Not Covered

Common Exclusions

  • Normal wear and tear or mechanical breakdown
  • Intentional damage or gross negligence
  • War and nuclear risks
  • Defective design losses
  • Gradual deterioration
  • Mechanical breakdown after commissioning
  • Contractual penalties and fines
  • Consequential financial losses
  • Pre-existing damages
  • Losses excluded under policy wording
Enhance Your Protection

Add-Ons That Make Coverage Stronger

Earthquake Cover

Additional protection against earthquake-related damages to machinery and project works.

Maintenance Visit Cover

Coverage during maintenance visits after project completion and handover.

Extended Maintenance Cover

Protection during the extended maintenance period after project handover and acceptance.

Debris Removal Cover

Covers additional expenses for debris clearing and site restoration after an insured loss.

Escalation Cover

Automatic increase in project value and coverage limits to protect against cost inflation during project execution.

Air Freight Cover

Coverage for emergency transportation and airfreight of replacement equipment to minimize project delays.

Express Freight Cover

Protection for urgent delivery and expedited freight of replacement parts and equipment.

Surrounding Property Cover

Coverage for damage to nearby property and structures affected during project execution and erection activities.

Claim Process

How To File A Claim

A transparent claim process helps businesses recover losses quickly and complete projects without major interruptions.

1

Inform Claim

Immediately notify Times Care after the incident or project loss occurs.

2

Site Inspection

Surveyor visits the project site to assess and document the damage comprehensively.

3

Submit Docs

Provide claim forms, photographs, project reports, invoices, and supporting documentation.

4

Claim Assessment

The insurer reviews policy coverage and evaluates the loss amount comprehensively.

5

Settlement

Approved claim amount is settled according to policy terms within stipulated timelines.

Why Choose Times Care
Why Choose Times Care

Trusted Support For Industrial & Engineering Projects

✔ Expert project insurance guidance

✔ Affordable premium options

✔ Quick claim assistance

✔ Comprehensive erection risk coverage

✔ Third-party liability protection

Have Any Questions?

Get quick answers to common Erection All Risks Insurance queries around project coverage, installation protection, claim timelines, and machinery safeguarding.

Contact us
What is Erection All Risks (EAR) Insurance?

EAR Insurance protects machinery, equipment, and industrial projects against accidental loss or damage during erection, installation, testing, and commissioning phases of project execution.

Who should buy EAR Insurance?

Contractors, engineering firms, project owners, manufacturers, and industrial businesses involved in machinery installation, erection, and commissioning projects should consider EAR Insurance for financial protection.

Does EAR Insurance cover testing and commissioning?

Yes, coverage can be provided during testing, trial runs, and commissioning stages as per policy terms, ensuring your project is protected through every phase.

What is the difference between CAR and EAR Insurance?

CAR Insurance is mainly for civil construction projects, while EAR Insurance is designed specifically for machinery erection, industrial installations, and engineering projects involving equipment setup.

Protect Your Installation Projects Against Unexpected Risks

Speak with Times Care to compare Erection All Risks (EAR) Insurance plans and secure your machinery, equipment, and engineering projects with reliable financial protection.