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Engineering Risk Insurance

Keeping your site protection in our sights

Benefits of Engineering Risk Insurance

  • Claims settled within three working days after receiving all required documents
  • Affordable premiums
  • Additional free liability cover for third-party bodily injuries and property damage linked with your works liability, in Erection and Contractors All Risk policies
  • Specialist advice on managing your risks

“Claims paid on time in prime insurance, that is the reason why I recommend prime to all my friends.”
- System Garage

Engineering Insurance

We offer five packages to suit your needs:

Contractors All Risks Insurance

  • Covers material damages, protecting all parties involved in the construction. Cover is valid for the duration of the project. The policy also covers employers against employee negligence. It can be combined with third-party liability cover and can be adapted to suit your needs. Contractor’s All-Risk Insurance covers any unforeseen and sudden physical loss or damage resulting from insured perils (Section I), except those specifically excluded. The policy also provides cover against third-party bodily injuries and property damage resulting from erection or construction activities on the site.

Erection All Risks (EAR) Insurance

  • Provides broad insurance coverage during construction and erection of machinery, plant and steel structures involving minor civil engineering works.
  • The EAR policy provides cover against any unforeseen and sudden physical loss or damage resulting from insured perils, except those specifically excluded. It includes liability cover for third party bodily injury and property damage resulting from erection and construction activities on the site.

Machinery Breakdown

Human aspect cover

Covers damage or losses caused by carelessness, negligence, faulty operation, lack of skill, malicious acts, deliberate or wilful or wanton acts committed with the intention of causing loss or damage, or non-political sabotage.

Operational causes

Covers damage or losses caused by centrifugal forces, failure of control and regulating devices, physical explosion and implosion, water shortage, overheating, impact or flue gas explosion in boilers.

Manufacturer's faults

Covers faulty design, faulty calculation, defective material or casting, bad workmanship, and faults in assembly and erection.

Electrical causes

Covers faulty insulation, short circuits, over-tension or excessive voltage.

Natural hazards

Covers damage from storms, drifting ice, frost and water.

Electric, Electronic and I.T All-Risk Insurance

Electronic equipment insurance is an all-risks accident insurance that covers sudden and unforeseen losses which physically affect the insured equipment. Losses can be caused by various factors:

  • Fire, lightning, explosion, failing aircraft
  • Smoke and corrosive gases
  • Water, humidity and air-conditioning failure
  • Short circuit and other electrical causes
  • Design, manufacturing, assembly and erection faults, defects in casting and material, workshop errors, bad workmanship
  • Faulty operation, lack of skill, gross negligence
  • Malicious acts of workmen, employees, third parties
  • Burglary

Contractor Plant and Machinery Insurance

This policy provides similar cover to the scope of machinery insurance but it excludes internal machinery break-down. The cover applies to machines that are at work, at rest or undergoing maintenance operations. Cover is not limited to a specific construction site.

Contact us to keep your plant and machinery working as hard as you do

Find out more about how we can protect your business.

For peace of mind

Need to make a claim? Find out about our simple process here.

View claims info
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