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.
Specialized all-risk cover for the installation, assembly, testing, and commissioning of industrial plant, machinery, electrical switchgear, turbines, and factory production lines.
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.
Thermal shock, unexpected electrical surge, or lubrication failure during initial trial runs under full operating load.
Crane sling snapping or hydraulic crane instability during tandem lifting of heavy transformers, boilers, or pressure vessels.
Misalignment during high-speed rotational testing causing harmonic resonance, shaft warping, and stator damage.
These are discussion points, not a promise that every risk is covered. Final cover depends on policy wording and insurer acceptance.
Physical loss or damage to plant and equipment while in storage or transit to project site
Accidental damage during mechanical lifting, fitting, and structural mounting
Critical coverage during cold/hot testing, trial runs, and initial operational load tests
Protection against surrounding property damage and site injuries during installation
The right structure starts with understanding your assets, operations, people and contractual responsibilities.
Compare more than price. Review limits, deductibles, exclusions and policy conditions.
Separation of testing period duration from overall assembly period in the policy schedule
Adequacy of manufacturer warranties, OEM lifting guidelines, and technician certifications
Testing deductibles and electrical short-circuit or de-synchronization extensions
Need more clarity? Send us your requirement and our team can help explore the next step.
Ask our teamCAR is tailored for civil construction projects (buildings, roads, bridges), whereas EAR is designed for projects dominated by electromechanical equipment, machinery installation, testing, and commissioning.
The testing phase is when machinery experiences initial operational stresses, highest thermal loads, and pressure surges. EAR provides vital protection against breakdown or explosion during this high-risk trial window.
Yes. EAR can be seamlessly combined with Marine Cargo insurance (Marine-cum-Erection / MCE) to provide uninterrupted transit-to-commissioning protection.
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