CAR, EAR and CPM share a unified risk architecture. Toggle between them to view specific policy scope, coverage limits, and real-world vulnerabilities:
Protection structured around real-world risk.
Comprehensive coverage for heavy construction equipment, cranes, excavators, loaders, and piling rigs against overturning, fire, transit damage, and mechanical failure at working sites.
GITVISHA · RISK ADVISORYCommercial and personal risks rarely follow idealized assumptions. These are the critical financial pitfalls, claim traps, and operational vulnerabilities that proper policy structuring actively mitigates.
Heavy earthmoving equipment, crawler cranes, or piling rigs operating on rain-softened or insufficiently compacted terrain.
High-cycle rock breaking and abrasive excavation causing sudden hydraulic cylinder blowout or slew ring failure.
Equipment shifting or overturning while being transported on low-bed trailers between highway construction packages.
These are discussion points, not a promise that every risk is covered. Final cover depends on policy wording and insurer acceptance.
Accidental tilting, overturn, collapse, or roll-over on soft or uncompacted ground
Cover against fire, inundation, storm, landslide, and rockfall
Optional add-on for internal component failure and engine seizure
Accidental damage while machinery is being towed or transported by trailer
The right structure starts with understanding your assets, operations, people and contractual responsibilities.
Compare more than price. Review limits, deductibles, exclusions and policy conditions.
Equipment schedule accuracy: chassis number, serial number, make, model, and year of manufacture
Basis of valuation: Reinstatement Value (recommended) vs Market Depreciated Value
Operator certification validity, periodic maintenance logs, and geographic site radius limits
Need more clarity? Send us your requirement and our team can help explore the next step.
Ask our teamYes, CPM policies can be endorsed with road transit extensions to protect equipment while being transported on low-bed trailers between job sites.
Commercial Vehicle insurance applies to registered motor vehicles operating on public roads (dumpers, tippers). CPM covers non-registered or off-road heavy plant (excavators, cranes, piling rigs) operating primarily on active construction sites.
Yes, accidental overturning due to slope instability, soft ground subsidence, or shifting loads is a core covered peril under CPM.
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