Benefits of Contractors All Risk (CAR) Insurance

• All-risk cover for contract works from commencement to project completion
• Protects against fire, flood, storm, theft, accidental damage, and natural calamities
• Covers construction plant, equipment, and temporary structures on site
• Third-party liability protection for bodily injury and property damage
• Flexible policy period aligned to project timelines and extension requirements
• Dedicated Ahura Insurance support for project risk assessment and claims

2. Erection All Risk (EAR)

Erection All Risk insurance is designed for projects involving the installation, assembly, and testing of mechanical and electrical plant, machinery, and steel structures. It covers physical loss or damage during the erection phase and provides third-party liability protection throughout. EAR insurance is indispensable for power plants, manufacturing units, process industries, and any project involving complex mechanical installations.

What are the Erection All Risk (EAR) Add-ons?

• Third-Party Liability Cover: Covers claims by third parties for injury or property damage caused during the erection process.
• Testing and Commissioning Cover: Extends protection to the critical testing and trial run phase before machinery is handed over for operation.
• Free Issue Materials Cover: Covers materials supplied by the project owner free of charge to the contractor.
• Surrounding Property Cover: Protects property owned by or in the care of the contractor that is adjacent to the erection site.
• Air Freight Cover: Covers the additional cost of airfreighting replacement parts urgently required following an insured loss.
• Maintenance Period Extension: Provides continued coverage during the post-erection defect liability and maintenance period.

Benefits of Erection All Risk (EAR) Insurance

• Comprehensive all-risk cover from arrival of materials on site to project handover
• Covers accidental damage, fire, flood, theft, and faulty erection
• Protection for mechanical, electrical, and steel structure erection projects
• Includes testing and commissioning risks within the standard policy scope
• Third-party liability protection throughout the erection period
• Expert Ahura support for complex project risk structuring and claims management

3. Machinery Breakdown Insurance

Machinery Breakdown insurance provides financial protection for industrial and commercial machinery against sudden and unforeseen physical damage caused by internal breakdown, operator error, electrical failure, and other mechanical defects. It is a vital cover for manufacturers, processing plants, and any business that is heavily dependent on the continuous operation of plant and equipment. Ahura Insurance helps businesses ensure that machinery breakdown does not translate into prolonged production losses.

What are the Machinery Breakdown Insurance Add-ons?

• Loss of Profit (Consequential Loss) Cover: Covers the financial loss arising from a halt in production or business operations following a machinery breakdown.
• Increased Cost of Working Cover: Covers additional expenses incurred to maintain output levels or avoid business interruption after a breakdown.
• Express Freight and Air Freight Cover: Covers the premium cost of expediting replacement parts via express or air freight to minimise downtime.
• Hired-In Plant Cover: Extends the policy to cover hired or leased machinery in the insured's care and control.
• Expediting Expenses Cover: Covers overtime labour and other costs incurred to accelerate repairs following a covered breakdown.

Benefits of Machinery Breakdown Insurance

• Covers sudden and unforeseen physical damage not addressed by standard fire policies
• Protection against electrical failure, short circuit, and mechanical breakdown
• Covers operator error, centrifugal force damage, and material fatigue
• Minimises production downtime with rapid claims assessment and settlement
• Can be extended to cover business interruption losses following a breakdown
• Ahura Insurance provides risk surveys and loss prevention recommendations

4. Boiler & Pressure Plant Insurance

Boiler and Pressure Plant insurance covers the risk of sudden and accidental explosion or collapse of boilers, pressure vessels, and associated plant. Such events can cause catastrophic damage to the equipment itself, surrounding property, and personnel. This cover is essential for manufacturing units, hospitals, hotels, textile mills, and any facility operating steam boilers, pressure vessels, or heating systems. Ahura Insurance ensures your pressure plant operations are protected against both physical damage and third-party liability.

What are the Boiler & Pressure Plant Insurance Add-ons?

• Third-Party Liability Cover: Covers bodily injury and property damage claims made by third parties resulting from a boiler explosion or collapse.
• Surrounding Property Damage Cover: Covers damage to property in the vicinity of the boiler or pressure vessel caused by an insured event.
• Loss of Profit Cover: Covers financial losses arising from business interruption following a covered boiler explosion or breakdown.
• Pressure Testing Cover: Extends protection to cover damage occurring during mandatory statutory pressure testing of vessels.
• Personal Accident Cover: Provides compensation for injury or death of employees caused by a covered boiler or pressure plant incident.

Benefits of Boiler & Pressure Plant Insurance

• Covers explosion, implosion, and collapse of boilers and pressure vessels
• Protects against damage to the boiler, surrounding equipment, and third-party property
• Essential for industries operating steam, heat, or pressurised fluid systems
• Supports statutory compliance requirements for boiler and pressure plant operation
• Can be extended to cover business interruption and consequential financial losses
• Ahura Insurance provides expert guidance on risk inspection and insurer selection