Claims settled within three working days after receiving all required documents
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
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“Claims paid on time in prime insurance, that is the reason why I recommend prime to all my friends.” - System Garage
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.
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.
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.
Covers faulty design, faulty calculation, defective material or casting, bad workmanship, and faults in assembly and erection.
Covers faulty insulation, short circuits, over-tension or excessive voltage.
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
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.
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