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Engineering

Engineering

I handle small construction and renovation projects. Is engineering insurance necessary?
If your work involves active construction or project values beyond basic repairs, engineering insurance is a smart safeguard. It is designed to protect contractors and builders from unexpected risks that can arise during ongoing work.

  • Damage to structures or materials while construction is in progress
  • Injuries to third parties at the project site
  • Loss or theft of machinery, tools, or equipment
  • Damage caused by natural events affecting unfinished work

Difference Between CAR and EAR Insurance

CAR insurance covers risks related to civil construction projects, while EAR insurance focuses on machinery installation and erection work.

CAR Insurance (Contractor’s All Risk)

  • Residential and commercial buildings
  • Roads, bridges, and structural projects
  • Construction materials, tools, and machinery at site
  • Damage to nearby property due to construction activity
  • Third-party injury or property damage during construction

EAR Insurance (Erection All Risk)

  • Installation of industrial machinery and equipment
  • Power plants, turbines, and factory setups
  • Risks during transit, storage, and installation
  • Accidental damage during testing or erection stages
  • Third-party liability related to installation work

Who Arranges CAR or EAR Insurance?

  • Usually arranged by the main contractor and added to the project cost
  • Sometimes taken directly by the client for better control
  • Large projects may split coverage between contractor and client
  • Clear agreement at the start helps avoid claim issues

What Happens If Equipment Is Stolen From the Site?

  • There should be clear signs of forced entry or break-in
  • Adequate site security must be in place, such as fencing or night guards
  • Safety measures mentioned in the policy must be followed
  • A police report should be filed promptly, usually within 24 hours

Additional Engineering Insurance Solutions

Along with CAR and EAR policies, there are other specialised engineering covers that safeguard high-value equipment and technical assets:

  • Machinery Insurance – Covers sudden mechanical or electrical breakdowns
  • Electronic Equipment Cover – Protects computers, systems, and devices
  • Boiler & Pressure Cover – Safeguards against pressure-related damage

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