Engineering Insurance

Engineering insurance is a type of insurance coverage specifically designed to protect engineering projects and related activities from various risks and liabilities. It provides financial protection against unforeseen events and losses that may occur during the construction, installation, and maintenance phases of engineering projects.

Policy Type


  • Construction and Erection Risks
  • Third-Party Liability
  • Advanced Loss of Profits
  • Machinery and Equipment Breakdown
  • Group Personal Accident
  • Extensions
Policy Type


  • Pre-Existing Conditions
  • Gradual Deterioration
  • Consequential Loss
  • Nuclear and War Risks
  • Pollution and Contamination
  • Deliberate Acts

Some common types of Engineering Insurance Coverage

Construction All Risks (CAR)

This insurance covers risks associated with the construction of buildings, infrastructure projects, and engineering works. It protects against events such as fire, natural disasters, theft, vandalism, and accidental damage.

Erection All Risks (EAR)

This insurance provides coverage for risks during the installation and commissioning of machinery, plant equipment, and other engineering structures. It safeguards against damages that may occur during the assembly, testing, and startup phases.

Contractors' Plant and Machinery (CPM)

CPM insurance protects the plant and machinery used in construction projects against various perils, including theft, accidental damage, breakdown, and operator error.

Machinery Breakdown Insurance

This insurance covers the cost of repairs or replacement of machinery and equipment in case of sudden and unforeseen breakdowns due to internal defects, electrical or mechanical failures, or operator errors.

Loss of Profits (LOP)

This insurance provides coverage for financial losses incurred due to project delays caused by factors beyond the control of the insured, such as construction delays, equipment failures, or labor disputes.

Professional Indemnity

This insurance is crucial for engineering firms and professionals. It offers protection against claims arising from negligence, errors, or omissions in the design, advice, or supervision of engineering projects.

Third Party Liability

This insurance covers damages and legal liabilities arising from third-party claims for bodily injury or property damage caused by the insured's engineering activities.

  • Risk Management
  • Mitigating Legal and Regulatory Risks
  • Project Continuity


  • Asset Protection
  • Compliance with Contractual Obligations
  • Financial Protection

Factors affecting the Premium

    Project Type and Size

    Construction Period 

    Project Location

    Project Value

    Construction Methods

    Deductible Amount

    Choice of Coverage

    Regulatory and Legal Environment

Claim Process

Register your claim with Us

In case of any damage to your assets, inform us about the incident as soon as possible.

Provide all the required documents

There are certain documents required for the claim process which will be informed to you by our claim department.

Relax, We will take it from here

Once we receive all the documents, you can relax and wait to receive your cheque