Erection All Risks Insurance
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Erection All Risks

Construction Insurance

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.

Erection All Risks (EAR) insurance provides cover for machinery installation and refurbishment, and is available on a single risk or annual basis.

Similar to Contractors' All Risks insurance, the policy can be arranged in the name of the contractor, the principal or joint names depending on the project requirement.

Our EAR 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.

Why buy HSB Construction Insurance?

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, property 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

Why choose HSB?

  • Leading specialist provider of engineering and technology insurance and inspection services in the UK and Ireland
  • 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
  • Financially strong and stable – rated A++ (Superior) by A.M. Best Company
  • A member of the Institute of Customer Service, demonstrating our commitment to continually improving customer service performance and professionalism

Contact Us

For more information, speak to your usual HSB contact, insurance broker, or contact your local HSB office.


Guides to loss prevention: Construction

Our series of 'risk guidance documents' offer both practical advice and guidance based on industry best practices. These include titles such as:

  • Construction site fire safety plan - guidance for site managers
  • Tower crane collapse events - risk management
  • Safeguarding construction plant and equipment
  • Fire caused by hot works

Guidance on temporary closure of construction sites

We have produced guidance on how to manage a construction site shutdown in order to reduce the risks and impact of any issues during a temporary closure of the works.