Engineering lines Hibret September 14, 2024
— Where protection meets perfection
Engineering lines
Engineering insurance safeguards businesses from financial losses caused by unexpected events during various stages of an engineering project. This includes protection throughout construction (covering both projects and contractors’ equipment), installation of equipment, and even the ongoing operation and maintenance of machinery.

—Your one window to peace of mind
Contractors All Risks

Contractors all risks insurance is an all-risks policy designed to protect contractors and builders against loss or damage to the insured project during construction.

While CAR policies are considered “all risks,” there are exceptions explicitly listed in the policy wording. Common covered risks include accidental damage, burglary, and third-party liability arising from construction activities.

This can include a wide range of projects, such as:

All risks
insurance

Residential construction

(homes, apartments)

Commercial construction

(offices, hospitals)

Industrial construction

(factories, warehouses)

Infrastructure projects

(roads, bridges, tunnels)

Renovation and refurbishment projects

(roads, bridges, tunnels)

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—Where you are shielded against the unexpected
Erection All Risks Insurance

Erection All Risks (EAR) Insurance safeguards investments during the installation and erection of machinery, plant, and equipment. This comprehensive coverage protects against unforeseen events throughout the assembly and testing phases at construction sites or other locations.

EAR policies are ‘all-risks’ that provide broad protection against loss or damage not explicitly excluded in the policy wording. Covered perils include Accidental damage, natural disasters, Fire, Theft, and other incidents causing loss or damage.

Additionally, EAR insurance protects against third-party liability for Injuries sustained by others and Property damage caused during the erection process.

—Your one window to total protection
Electronic Equipment Insurance

Electronic Equipment Insurance (EEI) offers comprehensive coverage for sudden and unforeseen physical damage to your electronic equipment. This policy safeguards various devices, including computers, medical equipment, telecommunication systems, and data storage units.

Key benefits of EEI:

All-risks coverage:

Protects against physical loss or damage not explicitly excluded in the policy wording.

Comprehensive coverage:
Applies throughout the equipment’s lifecycle, from post-installation and operation to cleaning, repairs, and internal relocation within your facility.
—Your one window to total protection
Boiler and Pressure Vessel Insurance
Businesses that rely on boilers, pressure vessels, and similar equipment can mitigate financial risks with Boiler and Pressure Vessel Insurance. This specialized coverage protects against:
Physical damage:
Covers the cost of repairs or replacements due to accidental damage, breakdown, or explosion of insured equipment.
Third party liability:

Provides financial protection if accidents involving your boilers or pressure vessels cause bodily injury or property damage to others.

—Safeguarding your business
Machinery Breakdown Insurance

Machinery Breakdown Insurance shields businesses from the financial burden of unexpected equipment failures. This insurance covers the repair or replacement costs, including parts and labor, for sudden and unforeseen physical damage to your machinery.

What’s covered?

Internal and external causes:
Protects against breakdowns due to electrical or mechanical failures, operator error, or even natural disasters.
Comprehensive coverage:
Your equipment is covered throughout its operational lifecycle, from post-installation and operation to cleaning, repairs, and internal relocation within your facility.
—Safeguarding your business
Contractors Plant and Machinery Insurance

CPM insurance provides comprehensive coverage for construction equipment, safeguarding your business against unforeseen risks. A CPM policy typically covers the cost of repair or replacement of the insured equipment due to sudden and accidental events like fire, theft, collision, natural disasters, and more.


This policy covers insured items under various circumstances, but only after they have successfully passed their initial commissioning process. Coverage applies regardless of whether the equipment is operational, idle, undergoing maintenance, being cleaned or overhauled, relocated within the designated premises, or reassembled after maintenance.
This insurance is vital for any business involved in construction activities, including Contractors, Subcontractors, Construction equipment rental companies, and Landscaping companies.

Takaful Insurance
— Where protection meets perfection
Engineering lines | Takaful
Comprises the coverage for machinery breakdown, loss or damage due to machinery breakdown, boiler and pressure vessel, as well as plant and machinery being erected. Cover your engineering projects and equipment against unforeseen risks with our Engineering Takaful products, ensuring smooth operations and financial protection.