The 60-second version
Erection all risk insurance covers physical loss or damage during machinery installation and testing — IRDAI policy for factory setup, elevator installation, and solar plant commissioning.
EAR covers machinery erection — CAR covers civil works
Erection all risk (EAR) policy covers physical loss or damage to machinery, equipment, and steel structures during erection, testing, and commissioning.
Returning NRIs setting up factory lines, elevators, or solar inverters must buy EAR before installation starts — OEM often mandates cover in supply contract.
Civil works lane: contractors all risk guide for building and fit-out projects.
Project insurance lanes
| Policy | Covers | Project type |
|---|---|---|
| EAR | Machinery erection + testing | Plant / elevator / solar |
| CAR | Civil works on site | Building / fit-out |
| MBD | Breakdown post-commission | Running plant |
| CGL | Third-party injury | Public liability rider |
EAR purchase sequence
Equipment value
Sum insured = supply + erection.
Get quotes
3+ IRDAI insurers.
Testing period
Include commissioning days.
Policy issue
Named contractor + owner.
Handoff to MBD
Machinery breakdown after go-live.
Cover loop
EAR kit
- Supply contract.
- Erection BOQ.
- Site address.
- Policy schedule.
- Surveyor contact.
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Testing period
EAR must cover trial-run and commissioning days — default 30-day testing may be insufficient for industrial plant.
Quick visual
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Community signal
What to watch in real discussions
Search community threads for the exact phrase, then treat repeated complaints as risk signals rather than official advice.
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Turn this guide into a decision file
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vs CAR?
EAR is machinery erection; CAR is civil building works.
vs MBD?
EAR covers installation; MBD covers breakdown after go-live.
GST on premium?
18% GST on insurance premium.
Extension?
Notify insurer if erection exceeds original schedule.
OEM mandate?
Many supply contracts require EAR certificate before site delivery.
Claim docs?
Photos, damage report, and surveyor assessment for loss claim.
The plan is only as good as the sequence.
Tax, banking, schools, shipping — they all have dependencies. A wrong order costs months and lakhs. Get it right.