It provides very broad cover for damage to electrical and mechanical machinery and can include engineering inspection, a statutory requirement for certain items of plant; this may also be referred to as Machinery Breakdown or Plant All Risks.

Contractors’ All Risk

it is a type of engineering insurance which is covered any building or civil engineering works against accidents resulting in physical damage, destruction of works under construction and any temporary structures, contractors’ plant and equipment on the site. It is designed to cover static building and civil engineering work only.

Erection All Risk

It provides comprehensive and adequate protection against all risks involved in the erection of machinery, plant and steel structures of any kind, as well as third-party claims in respect of property damage or bodily injury arising in connection with the execution of an erection project.

Contractors’ Plant and Machinery

is a type of CAR majorly used to facilitate the execution of CAR and EAR works and also renders its services only when moving and under the control of an operator.

Machinery Breakdown

it covers unforeseen and sudden physical loss of or damage to the insured items, necessitating their repair or replacement. Loss or damage covered under machinery insurance is mainly due to human failure (carelessness, negligence, faulty operation, lack of skill…), Operational causes (shortage of water, overheating, impact, physical explosion and implosion…), inherent cause/Manufacturer’s faults (faulty calculation, defective, material or casting, bad workmanship…), Electrical cause (faulty insulation, excess voltage.

Boiler Explosion

It gives cover against the results of an explosion or collapse of a boiler ‘whilst in the course of ordinary working’. Its cover usually consists of damage to the insured’s actual boiler, damage to insured’s surrounding property, damage to third party property and death/injury to third parties.

Electronic Equipment
  • it is an accident insurance on all risks basis covering sudden and unforeseen losses which physically affect the subject matter insured. Losses give coverage under Electronic Equipment are :

    • Fire, lightning, explosion, failing aircraft

    • Smoke, soot, corrosive gases

    • Water and humidity

    • Failure of air conditioning


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