Erection All Risks Insurance
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Erection All Risks Insurance

Comprehensive cover for construction machinery installation and refurbishment across commercial/residential projects; available on a single risk or annual basis.

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    Broker/agent trading options

    Delegated authority/reinsurance solutions

    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 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.

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    HSB supports Agriculture and Construction Equipment (ACE); the specialist police unit targeting equipment theft from construction sites and farms.

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    Delegated authority/reinsurance solutions

    Delegated authority/reinsurance solutions

    We can also provide our partners with innovative, all-encompassing construction solutions.

    If you’re looking to provide specialist cover as part of your commercial proposition, contact our Partnerships Team.

    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
    HSB is committed to providing a superior customer experience through our specialist claims service
    HSB Claims Team

    Claims Examples

    HSB Construction Insurance in action

    Accidental damage occurred to a crane and contract  works on a construction site. We arranged for removal  and repair of the crane so remedial action could be taken  on the works immediately. Our customer adopted improved standards for the selection of ground conditions when undertaking lifts.
    A hired-in trailer and excavator collided with a third party driver’s vehicle whilst in transit. Our loss adjusters declared the trailer beyond economical to repair and, taking into consideration the ongoing hire charges as well as repair costs, the same was decided for the excavator. The claim was settled directly to the hire company.
    A crane was being driven along a road when one of its tyres picked up a piece of debris which was then propelled into the vehicle's oil pipe, causing a crack. Oil began to escape through the cracked pipe, starving the transmission transfer box of oil and causing it to seize. This resulted in extensive damage to the gearing and bearings of the transmission transfer box.

    Product Documentation

    Product Spotlight: HSB Machinery Inherent Defects Insurance

    Available for periods of up to 12 years, HSB Machinery Inherent Defects Insurance provides comprehensive cover for  the mechanical and electrical services installed in new buildings undergoing construction, 'shell and core' building refurbishments, and completed buildings less than two years old.

    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

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