Erection All Risks (EAR) Insurance
Brokers and Agents
properties.trackTitle
properties.trackSubtitle
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.
What is erection all risks insurance?
Erection all risks insurance (also known as EAR Insurance) provides comprehensive cover for construction and non-construction mechanical and electrical machinery installation and refurbishment across commercial and residential projects.
Available on a single risk or annual basis, HSB's Erection All Risks insurance 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.
What is our erection all risks insurance underwriting appetite?
- Brewing, distilling, canning, and bottling
- Computers and telephones
- Concrete and quarrying; crushing and screening
- Electric power transmission/distribution (including transformers, generators and switchgear)
- Food, bakery, dairy and processing
- Gas production
- General manufacturing
- Grain and flour processing
- Injection moulding machines
- Lifts and escalators
- Machine tools
- Motors, pumps, compressors, engines, fans, and blowers
- Paint varnish manufacturing
- Plastics and rubber production
- Plumbing, heating, and air conditioning
- Power presses
- Printing
- Refrigeration plant and cold stores
- Textile, clothing, and footwear production
- Woodworking
Territorial limits
UK, Republic of Ireland, Isle of Man, and the Channel Islands.
Why consider 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.
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
Product documentation
Brochures: E-trade
Policy documentation
These may also interest you
Frequently asked questions
What is erection all risks insurance/EAR insurance?
Erection all risks insurance (also known as EAR Insurance) provides comprehensive cover for construction and non-construction mechanical and electrical machinery installation and refurbishment across commercial and residential projects.
Available on a single risk or annual basis, HSB's Erection All Risks insurance policy can be arranged in the name of the contractor, the principal, or joint names depending on the project requirement.
What is Machinery Movement Insurance?
Machinery Movement Insurance is an element of cover for the loss and damage caused to plant and machinery during the transit and installation process across commercial, residential, and civil engineering projects; for one-off moves or on an annual basis.