Erection All Risk (EAR) insurance is a specialized type of policy that protects against loss or damage occurring during the installation or erection of machinery, plant, or steel structures – essentially, large-scale industrial or engineering projects.

It’s often taken by contractors, manufacturers, or project owners during the construction and assembly phase of things like power plants, factories, refineries, or heavy machinery setups.

Key Features

• Coverage period: From the moment materials arrive at the project site until completion, testing, and handover.
• Main coverage:
  • Accidental damage during erection or installation
  • Fire, explosion, lightning, storm, flood, or similar natural perils
  • Human error, negligence, or handling accidents
  • Collapse, toppling, or falling of erected structures
  • Testing and commissioning risks (once systems are energized before handover)