Does cargo insurance already cover installation?

Usually not. Cargo cover typically ends on delivery or shortly after unloading. Installation and erection exposures are addressed by an EAR policy, subject to its terms.

Does it cover testing and commissioning?

Testing and commissioning can be included, often for a defined period and sometimes with separate terms. It must be arranged explicitly rather than assumed.

Transaction Protection

Installation & Erection All Risks (EAR)

Protection against specified physical loss or damage during installation, erection, testing and commissioning, subject to policy terms.

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What it covers

Physical loss or damage to the works during erection and installation
Testing and commissioning periods, where included in the policy
Existing surrounding property and third-party liability extensions where agreed
Maintenance or defects-liability periods where arranged

Commonly excluded

Defective design, material or workmanship, subject to the cover option selected
Wear, gradual deterioration and corrosion
Consequential loss, penalties and liquidated damages
Losses excluded by the specific policy wording

Eligibility

Defined project scope, site, contract value and programme
Acceptable contractor experience and method statements
Site conditions and natural-hazard exposure acceptable to underwriters

How a claim works

01Make the site safe and notify insurers immediately
02Preserve damaged items and photograph the scene
03Cooperate with the appointed loss adjuster
04Submit costings, contract documents and a repair or replacement plan

Who it is for

Buyers installing machinery, plant or energy systems
Contractors and installers on site
Manufacturers with supply-and-install obligations

Key benefits

Closes the gap between delivery at site and formal handover
Covers the period when equipment is most exposed to handling damage
Aligns with contractual insurance obligations in EPC and supply-and-install contracts
Can name multiple insured parties across the project chain

Documents to prepare

Contract, scope of works and project programme
Contract value and equipment schedule
Site details and installation method statements
Contractor experience and safety record

Request a quote

Describe the transaction or exposure. We will confirm the information underwriters need and approach suitable providers through licensed partners.

Start a quote request

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