A CONTRACTORS ALL RISKS (CAR)

This insurance policy consists of 3 main sections of cover:

• The policy provides cover against fire, lightening, flood, impact and other specific perils on the contract work (the house, shop, factory, etc. that is being built) the contract work also includes all unfixed materials, such as copper pipes or Upvc windows delivered on site for incorporation into the contract. It also covers temporary works including site installations which are not part of the project, but are required to facilitate its building. Examples include site huts, access roads, scaffolding, etc.

  If required, both own plant and hired-in-plant can be insured as part of the contract works subject to a separate sum insured being supplied for each section of cover.

• Public Liability Insurance: Liability to third parties in respect of accidental bodily injury, death and property damage.
• Employers' Liability Insurance: his provides cover in the event of bodily injury to your employees or labour only sub-contractors whilst carrying out work on your behalf.

ERECTION ALL RISK (EAR)

EAR policies are designed to cover the risk of loss arising out of the erection and installation of machinery, plant and steel structures, including physical damage to the contract works, equipment and machinery.

liability for third-party bodily injury or property damage arising out of these operations is covered

it also provides cover in the event of bodily injury to your employees or sub-contractors whilst carrying out work on clients behalf.

CONTRACTORS PLANTS AND MACHINERY BREAKDOWN (CPM)

Machinery breakdown insurance provides a security cover to the machines used by factories and industries. This insurance covers accidental breakdown and physical damage of the machinery, the cost of repairs or replacement of the damaged machine parts. Factories need to be prepared for such breakdowns in order to continue working smoothly and overcome the loss. To meet with such eventualities, factories can purchase machinery breakdown insurance.

ELECTRONIC EQUIPMENT BREAKDOWN

Insurance cover for electrical breakdown is essential especially where computers are involved. The policy can cover sudden and unforeseen damage to computer installations/network, the additional/increased cost of working as result of such damage and the cost of recovery of data lost due to the breakdown.