Engineering Insurance provides financial protection against damage or losses related to machinery, construction projects, and engineering operations, including third-party liabilities. It safeguards businesses and contractors from potential financial risks due to accidents, breakdowns, or other unforeseen events.
Engineering Insurance is typically categorized into the following types:
- Construction All Risks (CAR) Insurance
- Coverage :
Damage to buildings or infrastructure during construction. Third-party liabilities arising from construction activities.
- Applications :
Construction of buildings, bridges, roads, etc.
- Erection All Risks (EAR) Insurance
- Coverage :
Damage during the installation or erection of machinery and plants. Third-party liabilities.
- Applications :
Power plants, factories, and industrial equipment installation projects.
- Machinery Breakdown (MB) Insurance
- Coverage :
Physical damage to machinery caused by mechanical or electrical failures. Repairs or replacement costs..
- Applications :
Manufacturing plants, production units, and heavy industries.
- Boiler and Pressure Vessel Insurance
- Coverage :
Explosions or collapses of boilers and pressure vessels. Damage to surrounding property and third-party liabilities.
- Applications :
Industries using boilers, such as textile, food processing, and power generation.
- Contractor’s Plant and Machinery (CPM) Insurance
- Coverage :
Loss or damage to construction equipment and machinery, whether on-site or in transit.
- Applications :
Excavators, cranes, bulldozers, and other construction equipment.
- Electronic Equipment Insurance (EEI)
- Coverage :
Loss or damage to electronic equipment due to accidental damage, fire, or theft.
- Applications :
Computers, medical equipment, and communication devices.
- Civil Engineering Completed Risks (CECR)
- Coverage :
Damage to completed civil engineering structures such as bridges, tunnels, and dams.
- Applications :
Infrastructure projects with long-term operational life.
- Loss of Profit Following Machinery Breakdown (MLOP)
- Coverage :
Financial losses due to downtime caused by machinery breakdown.
- Applications :
Manufacturing units or industries relying on critical machinery.