Engineering and Project Insurance

Specialist Operational & Construction Lines

Discover specialized solutions built explicitly for structural civil works, infrastructure development, and advanced industrial machine operations.

• Construction Policies

  Contractor's All Risks (CAR) Policy: Comprehensive physical damage protection optimized for civil works projects. Shields developers, principal clients, and contractors against sudden external losses, physical wreckage, or natural perils. Focus: Civil InfrastructureErection All Risk (EAR) Policy: Bespoke coverage for physical assembly, installation, and cold/hot commissioning testing of industrial mechanical equipment, electrical power generation, and pipeline programs. Focus: Assembly & InstallationStorage Cum Erection (SCE) Policy: Covers pre-assembly risks from the moment machinery elements are delivered to raw warehouses, during site-storage durations, right through to successful mechanical erection. Focus: Storage & FabricationMarine Cum Erection (MCE) Policy: Ensures seamless end-to-end integration covering deep-sea maritime cargo transit, customs offloading, local haulage, and installations at site in a single policy. Focus: Transit to AssemblyAdvance Loss of Profits (ALOP): Protects critical financing structures. Reimburses estimated operating profits or debt servicing costs if physically damaged project structures result in severe delays. Focus: Financial Loss CoverDelay in Startup (DSU) Policy: Specialized protection covering fixed administrative overheads, contractor standby fees, and financial loss penalties originating from delayed commercial operating dates (COD). Focus: Delay Penalties

• Operational Policies

  Machinery Insurance (MI) Policy: Protects high-value operational machinery and factory equipment against unexpected physical damage, alignment failures, or external impact forces. Focus: Active Factory AssetsMachinery Breakdown (MB) Policy: Covers sudden and unforeseen mechanical or electrical breakdown of production plant machinery, covering repair or replacement of critical components. Focus: Electrical/Mechanical FaultsBoiler and Pressure Plant (BPP): Comprehensive damage coverage specifically for high-pressure vessels, autoclaves, and boilers against sudden catastrophic structural explosion, implosion, or collapse. Focus: Thermal Plant SafetyMachinery Loss of Profits (MLOP): Offsets financial losses, business interruption, and continuing standing charges resulting from a covered machinery breakdown at a manufacturing site. Focus: Business InterruptionContractor's Plant & Machinery (CPM): Protects mobile equipment, excavators, piling rigs, and heavy-duty cranes during operational usage across diverse work sites and transit phases. Focus: Mobile Construction FleetCivil Engineering Completed Risks (CECR): Long-term protection designed for completed civil structures like bridges, tunnels, dams, and highway networks against unexpected natural disasters. Focus: Completed InfrastructureElectronic Equipment (EE) Policy: Ensures premium protection for low-voltage IT architectures, data processing servers, telecommunication switches, and industrial diagnostic devices. Focus: Tech & Server ParksDeterioration of Stocks (DOS) Policy: Covers spoilages or decay of cold storage products, raw materials, or medical ingredients triggered by a refrigeration plant machinery failure. Focus: Cold Storage Inventory