EAR insurance provides a very comprehensive cover. Almost any sudden and unforeseen loss or damage occurring to the property insured on the erection site during the period of insurance will be indemnified. The insurer will indemnify loss or damage due to the following causes:

• Fire, lightning, explosion
• Flood, inundation
• Windstorm of any kind
• Earthquake
• Theft, burglary
• Faults in erection
• Negligence, lack of skill, lack of experience, malicious acts
• Short-circuit, arcing, excess voltage
• Excess pressure or vacuum, tearing apart on account of centrifugal force
• Any other sudden and unforeseen event such as loss or damage due to collapse, foreign objects, on-site, transport of items to be erected, etc.
• In addition, it is possible to extend the period of cover to include a maintenance period.

Maintenance guarantee cover:

If the insured is the manufacturer of the machinery or plant to be insured and has also been commissioned with the erection work, the manufacturer’s liability for loss or damage during the guarantee period, as stipulated in the supply contract, can be included in the insurance to a certain extent in addition to the above mentioned covers.