Contractor's All Risk (CAR) / Erection All Risk (EAR) Insurance

Covers loss or damage from any cause whilst in the contract site—from completion of unloading until, in the case of the works, the expiry of insurance; in the case of construction plant, the commencement of loading for dispatch from site or the expiry of insurance.

What are the information/documents needed for CAR/EAR?

• Assured’s Name
• Address/Location of site
• Nature of Project – commercial, industrial, government/public, or residential
• Duration
• Project Cost
• Limit of Liability (3rd party)
• Copy of Contract
• Broker of Record (BOR) – form will be provided by Trinity

Contractor's Risk Insurance covers the following risks:

• Fire/Lightning
• Natural perils/acts of nature
• Landslip/subsidence
• Accidental damage
• Collision, Collapse, Impact
• Theft and Malicious Damage
• Breakdown and explosion
• Faults in Construction / Erection
• Negligence
• Lack of skill / experience
• Short circuiting
• Arching
• Excess Voltage

Options to include:

• Construction plant and equipment
• Third party liability like vibration, removal, and weakening of support
• Inland transit
• Debris removal
• Offsite storage
• Expediting cost
• Riot / Strike / Civil Commotion coverage

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