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Security from delivery through to acceptance of the projectErection All Risks (EAR) insurance

Unforeseen damage can significantly jeopardise the success of complex projects. Whether natural hazards, fire or an unintentional act during installation or trial operation – the risks are manifold. Clients and contractors are often liable in the event of delays or damage.

Our consulting approach begins at an early stage – even before the construction site goes live. We review the relevant contractual bases with you, such as:

  • GTCs (general terms and conditions of sales and delivery)
  • EPC contracts (engineering, procurement and construction)
  • General contractor agreements
  • General Terms and Conditions (GTCs)

These documents in particular often conceal pitfalls that can render the insurance cover ineffective or cause gaps.

MRH Trowe supports you in the risk assessment of your project, identifies potential gaps in cover and finds insurers who offer customised protection – Europe-wide and internationally.

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Insured risks & hazards

EAR insurance is based on all-risk cover. The insurance covers all unforeseen damage that may occur during the installation phase, including:

  • Design, calculation, material, workshop and installation errors
  • Damage caused by electrical energy, e.g. short circuit or overvoltage
  • Operator error, clumsiness, negligence or malice
  • Rope breakage, chain breakage, falling components, dismantling or breakage of scaffolding
  • Overpressure, implosion, underpressure, overload, overspeed or centrifugal forces
  • Failure of measuring, control or safety equipment
  • Lack of water, lubricant or coolant
  • Foreign body damage, moisture, mudslide, landslide, subsidence
  • Natural hazards such as rockfall, floods, storms, hail, frost, avalanches
  • Mechanical external influences, charring, scorching
  • Fire, lightning strike, aircraft crash (for mobile machines)
  • Burglary and theft of installed or assembled parts
Duration of cover
  • Start: When the parts are first unloaded at the assembly site
  • End: With the acceptance of the system or machine
  • Extension possible: Remaining work or warranty phase

Separate goods in transit insurance is required for transport to the installation site.

Insured items
  • All deliveries and services for the construction of the insured assembly object
  • (e.g. constructions, machinery, mechanical or electrical equipment incl. spare parts)
  • Assembly equipment and tools
  • Property of the assembly staff
  • Third-party property, if contractually agreed
  • Other individual items, depending on the project
Insured interests
  • Client (purchaser)
  • Contractors
  • All companies involved in the project, e.g. subcontractors or partner companies

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