Comprehensive Protection for Your Valuable Assets
Property Insurance
Contractors All Risks (CAR)
Contractors All Risks insurance protects construction projects against accidental loss or damage during the course of the works and includes third‑party liability arising from site activities.
Who this cover is designed for
- Principal contractors and subcontractors
- Project owners and developers
- Civil and building contractors
What this cover typically includes
- Contract works and materials
- Damage during construction, testing or commissioning
- Third‑party injury or property damage
Why this cover matters
- One policy for works and liability sections
- Covers projects from site commencement to handover
- Often required by contracts and lenders
Typical situations where this cover helps
- Damage to partially completed works
- Injury to a visitor on-site
Erection All Risks (EAR)
Erection All Risks insurance is designed for projects involving installation and erection of machinery and plant. It extends through testing and commissioning where technical risks are higher.
Who this cover is designed for
- Industrial contractors and installers
- Power and utility projects
- OEMs and heavy equipment vendors
What this cover typically includes
- Machinery under erection
- Testing and commissioning damage
- Third‑party liability at site
Why this cover matters
- Tailored to technical installation risks
- Protects high‑value equipment in testing phases
- Supports contractual requirements
Typical situations where this cover helps
- Turbine installation damage
- Failure during commissioning tests
Contractors’ Plant & Machinery (CPM)
CPM insurance protects contractors’ mobile plant and machinery used on site, whether operating, at rest or in transit within the territory.
Who this cover is designed for
- Civil and MEP contractors
- Plant hire companies
- Infrastructure projects
What this cover typically includes
- Owned and hired‑in plant schedules
- Transit within territory
- Theft subject to security conditions
Why this cover matters
- Safeguards high‑value mobile equipment
- Options for hired‑in liability
- Flexible deductibles by plant class
Typical situations where this cover helps
- Damage to crane during lifting
- Theft of idle equipment overnight
Machinery Breakdown (MBD)
Machinery Breakdown insurance covers sudden and unforeseen mechanical or electrical breakdown of insured machinery, focusing on internal failure not covered by standard property policies.
Who this cover is designed for
- Manufacturing plants
- Hospitals and labs
- Data centres and utilities
What this cover typically includes
- Mechanical and electrical breakdown
- Resultant damage to insured machines
- Expediting expenses if selected
Why this cover matters
- Reduces unexpected repair costs
- Protects critical production assets
- Pairs with MLOP where applicable
Typical situations where this cover helps
- Motor burnout on critical line
- Gearbox failure causing downtime
Electronic Equipment Insurance (EEI)
EEI provides specialised protection for electronic and electrical equipment against accidental damage, power surge and theft, with options for increased cost of working.
Who this cover is designed for
- Hospitals and diagnostics
- Media and broadcasting
- IT‑dependent businesses
What this cover typically includes
- Servers, UPS and network hardware
- Medical and imaging equipment
- Portable electronics where declared
Why this cover matters
- All‑risks style protection for electronics
- Supports quick repair and continuity
- Optional increased cost of working
Typical situations where this cover helps
- Power surge affecting servers
- Accidental damage to medical device
Deterioration of Stocks (DOS)
Deterioration of Stocks insurance covers spoilage of perishable goods caused by breakdown of refrigeration equipment or power failure, often purchased alongside MBD.
Who this cover is designed for
- Cold storage operators
- Food distributors and supermarkets
- Pharma and blood banks
What this cover typically includes
- Spoilage after refrigeration failure
- Contamination as defined
- Disposal costs of damaged stock
Why this cover matters
- Protects temperature‑sensitive inventory
- Complements Machinery Breakdown cover
- Clear per‑location limits
Typical situations where this cover helps
- Freezer failure causing stock loss
- Utility outage impacting cold rooms
