What is Engineering Insurance?

It is a comprehensive policy which comprises five coverage plans:

  • Contractor’s All Risk Insurance (CAR)
  • Erection All Risk Insurance (EAR)
  • Machinery Breakdown Insurance (MB)
  • Electronic Equipment Insurance (EEI)
  • Contractors Plant and Machinery Insurance (CPM)

Key coverage

Here is an overview of your coverage:

  • Material Damage
    Covers sudden and unforeseen physical loss or damage to contract works/property/items
  • Third Party Liability
    Covers third party liability in the following ways:
    • Accidental damage to property belonging to a third party
    • Damage in direct connection with work happening at or around the immediate vicinity of the site
    • Legal liability for accidental loss


Contractor’s All Risk Insurance (CAR)

Contractor’s All Risk Insurance (CAR)

Covers civil works construction projects

Erection All  Risk Insurance (EAR)

Erection All Risk Insurance (EAR)

Covers machinery or equipment during the construction or erection stage

Machinery Breakdown Insurance (MB)

Machinery Breakdown Insurance (MB)

Covers machinery during the operational period 

Electronic Equipment Insurance (EEI)

Electronic Equipment Insurance (EEI)

Covers electronic equipment

Contractors Plant and Machinery Insurance (CPM)

Contractors Plant and Machinery Insurance (CPM)

Covers heavy equipment and machinery

How much is my premium?

Your premium may vary, depending on:

  • Occupancy
  • Age of facility
  • Region
  • Stage of construction
  • Other factors
Download our brochures under the Product Literature

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What we don’t cover

Losses, damage or liability directly or indirectly

  • caused by
  • arising out of
  • aggravated by
    • war, invasion, act of foreign enemy, hostilities (whether war be declared or not) or civil war
    • rebellion, revolution, insurrection, mutiny, riot, strike, lock-out, civil commotion, military or usurped power, a group of malicious persons or persons acting on behalf of or in connection with any political organization
    • conspiracy, confiscation, commandeering, requisition or destruction or damage by order of any government de jure or de facto or by any public authority
    •  nuclear reaction, nuclear radiation or radioactive contamination
    • willful act or willful negligence of the Insured or of his representatives
    •  cessation of work whether total or partial

In any action, suit or other proceeding where the Insurers allege that by reason of the provisions of Exclusion a) above any loss, destruction, damage or liability is not covered by this insurance the burden of proving that such loss, destruction, damage or liability is covered shall be upon the Insured.

Important information

The above product information is very general and is not an insurance contract/agreement. Detailed terms and conditions will be referred to, in the policy. It is crucial that you read and understand the policy’s terms and conditions well.