Contractors All Risk (CAR)
Covers civil construction projects against fire, flood, collapse, theft, and third-party liability — for the entire project duration including the maintenance period.
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Construction projects, machinery installations, and operational plant face risks no standard property policy can address — collapse during construction, accidental breakdown, electrical damage, and testing failures. Engineering Insurance covers these specialized risks across the project and operational life cycle.
We arrange Contractors All Risk (CAR), Erection All Risk (EAR), Machinery Breakdown (MBD), Contractors Plant & Machinery (CPM), and Electronic Equipment cover for builders, EPC contractors, manufacturers, and plant owners — sized to project value or asset replacement cost.
Comprehensive protection designed for real-world needs and unexpected situations.
Covers civil construction projects against fire, flood, collapse, theft, and third-party liability — for the entire project duration including the maintenance period.
For erection and installation of plant and machinery — covers risks during transportation, storage, erection, testing, and commissioning.
Covers sudden and unforeseen physical damage to operational machinery from internal causes — short-circuit, mechanical defect, operator error, or centrifugal force.
Covers construction equipment — excavators, cranes, loaders, JCBs — against accidental damage and theft at worksite or in transit.
Covers servers, IT hardware, medical electronics, broadcasting equipment, and lab instruments against damage, breakdown, and data-restoration costs.
Most engineering policies include cover for bodily injury or property damage caused to third parties at the project site or arising from operations.
Real reasons clients choose this protection and stay protected for the long term.
CAR and EAR cover the entire project life cycle and all stakeholders — principal, contractor, sub-contractors — under one policy.
Standard Fire policies exclude property under construction or erection. Engineering insurance fills exactly that gap.
Most government and large private tenders require CAR/EAR insurance to be in place before mobilization.
Unlike Fire insurance, MBD pays for damage from internal causes like short-circuits and mechanical failure — common operational losses.
For high-value plant, electronic, and construction equipment, repair or replacement costs can run into crores. Engineering cover protects that capital.
Third-party injury and property damage at construction sites are common — built-in liability cover removes the need for separate arrangements.
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