What is Erection All Risks (EAR)?

This policy cover for Material Damage and Liability during erection and maintenance period for your project works comprising mainly of assembly of prefabricated elements or machines manufactured off-site.

Key coverage

Here is an overview of your coverage



  • Material Damage
    Covers unforseen and sudden physical loss or damage from any cause (other than those specifically excluded) to items to be erected
  • Third Party Liability
    Covers for Insured’s legal liability to pay damages consequent upon accidental third party bodily injury and/ or property damage in direct connection with the contract works and happening on or in the immediate vicinity of the contract site

How much is my premium?

Your premium may vary, depending on:

  • Risk exposure
  • Contract Period
  • Contract Site
  • Contract Value / Limit of Liability
  • Contract Works involved
  • Coverages/ extensions required
  • Underwriting information submitted


Download our proposal form under the Product Literature.

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What we don’t cover

  • War, civil war and any act of terrorism
  • Radioactive and nuclear energy risks
  • Willful acts or willful negligence
  • Wear and tear
  • Faulty design, defective material or casting and/or bad workmanship
  • Mechanical and/or electrical breakdown or derangement of construction plant and machinery
  • Consequential loss of any kind, including penalties, losses due to delay, lack of performance, loss of contract
  • Pollution and contamination
This list is non-exhaustive. Please refer to the sample policy contract for the full list of exclusions under the respective
Important information

This insurance is underwritten by Tokio Marine Insurance Singapore Ltd. All benefits and features mentioned here are subject to the terms and conditions of the policy. Please refer to the policy contract for the precise terms and conditions of this insurance plan. The information shown here is for reference only.

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