Erection All Risks (EAR) Insurance
Comprehensive cover for construction and non-construction machinery installation and refurbishment across commercial/residential projects; available on a single risk or annual basis.
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During a construction project, the responsibility for insuring against loss or damage to electrical and mechanical plant whilst in the erection and installation stage often falls to the contractor or employer.
Our response:
Erection All Risks Insurance
Our policy provides comprehensive cover for machinery installation and refurbishment across commercial/residential projects, and is available on a single risk or annual basis.
Our policy can be arranged in the name of the contractor, the principal, or joint names depending on the project requirement.
Our Erection All Risks insurance policy provides cover for:
- machinery; from the commencement of loading for despatch to site (including transit and incidental storage)
- erection and installation of plant and machinery during the construction period
- defective design and machinery breakdown, where selected, during testing and commissioning
- free issue materials where these are included in the declared values
Cover can be extended to include advance loss of profits, owned contractors' plant and hired-in plant, and employees' tools and personal effects.
Why buy Erection All Risks Insurance from HSB?
Our underwriters and risk engineers have extensive experience in providing construction insurance and are recognised as experts in this field. Drawing on our vast expertise in the construction sector, we are able to provide insurance products to meet the insurable risks of a specific project.
- Policy wordings specifically designed with contractors/sub-contractors, property builders and developers, and construction plant owners in mind
- Extensive underwriting expertise
- Specialist engineering knowledge of plant and machinery
- Cover available across the UK and Ireland
- Access to experienced in-house construction loss control risk engineers
- Access to claims handlers and loss adjusters with specialist knowledge of the construction industry
UK-based arm of
HSB Group
The equipment breakdown insurance and inspection market leader since 1866.
Part of
Munich Re
A world leader in risk solutions, consistent risk management, and financial stability.
Rated A++ (Superior) by
A.M. Best Company
Financially strong and stable.
Member of the Institute of
Customer Service
Demonstrating our commitment to continually improving customer service performance and professionalism.
Trading options
Non e-trade
Supported by our customer-centric team of underwriting and business development professionals.
E-trade
Access our e-trade products via our online solutions: HSB Fast Track or Acturis; fully supported by our E-Trade Team.
Delegated authority/reinsurance
We can provide our partners with capacity, as well as innovative, all-encompassing embedded solutions. If you’re looking to provide specialist cover as part of your commercial proposition:
HSB is committed to providing a superior customer experience through our specialist claims service
HSB Construction Insurance in action
Damage caused to a trailer and excavator whilst in transit
£18,000
Claim
Damage caused to a crane and contract works
£8,629
Claim
Damage caused to a crane whilst in transit
£29,000
Claim
Insights
