A. Construction All Risks (CAR)  –  this  insures  construction  projects,   civil works    such  as buildings, roads, bridges.   It  covers  any  accident    on these projects  resulting   in loss  and  damage  of  work  in progress, materials, construction  equipment  and machinery during    the period  of construction.  This  may also cover damage  to  the  materials  in site,  liability  to third  parties   arising from  construction activities.


B. Erection All  Risks   – this  covers  protection  for  electromechanical    This  also  covers  material  damage, repair  or  replacement  of  the items  insured  in  case  of  physical loss  or  damage  from  any cause.  Coverage  may  further  be extended  to  include  the  following:

  • Removal of  debris
  • Testing and commissioning  for  equipment
  • Accidental body  injury  to or  illness  of  the  third  party
  • Accidental loss  or  damage  to property  belonging  to third parties  occurring  in  the  direct  connection with the  erection, construction  or  testing of  items  insured


C. Electronic Equipment  Insurance ( EEI) – it protects  electronic  data  processing  equipment  including its  peripherals,  and  software  from any  sudden  or  unforeseen  loss  or


D. Machinery Breakdown Insurance   (MB)   –  this indemnifies  the assured against  breakdown   of  any  machine   (industrial/commercial)  whilst  working  at  rest  or  while  being  dismantled, moved  or  re-erected  for  the  purpose  of  cleaning, ,  repair  or  installation  in another    This  also  covers  damages  arising  from:

  • Fortuitous working accidents  such as  vibration,  maladjustment,  loosening, metal fatigue,  excessive  speed  or  lack of  lubrication  or  local overheating
  • Careless or  incompetent  or  negligent  acts  of  employees  of the insured  or any  third  parties
  • Structural defects on materials, design  or  assembly
  • Storm frost or  drifting of  ice
  • Effect of  electric current following excessive  or  insufficient  voltage,   failure  of    insulation  circuits,  open  circuits  or  arcing  of  the  effect  of  static  electricity