Engineering Insurance

Since The industrial revolution and the vast demand of infrastructure projects, mankind has enhanced technology in order to cope with such never-ending development
The term "engineering insurance" is used by the insurance industry as a collective term to describe various types of policies for the protection of construction works as well as the erection and operation of machinery.
We at United Insurance Company provide the collective engineering policies for the core benefit of our customers which includes but not limited to the following policies:

  • Contractors’ All Risks (C.A.R)
  • Erection All Risks (E.A.R)
  • Contractors’ Plant and Machinery (C.P.M)
  • Machinery Breakdown (M.B)
  • Electronic Equipment Insurance (E.E.I)
  • Deterioration of Stock (D.O.S) Following Machinery Breakdown.

Contractors’ All Risks (C.A.R)

The Basic cover of C.A.R Policy is to offer Comprehensive Protection against Sudden and Unforeseen Loss of or Damage to Civil Engineering projects like Residential and Office Buildings ,Power stations , Factories Roads , Sewerage and water Distribution Projects, Harbors ,Airports, Bridges, Dams, Tunnels, Canals, Stadiums, etc….
  • The Contract Works including Temporary Structures
  • Infrastructure and landscaping works
  • The Construction Plant & Equipment
  • The Construction Machinery
  • Legal Liability arising out of Property Damage or Bodily Injury suffered by Third parties and occurring in connection with the Contract Works

Erection All Risks (E.A.R)

Erection all risks insurance offers the contractor the benefit of having simple, complete cover based on the all risks model, encompassing the risks of fire, explosion and natural hazards This type of insurance was designed to protect contractors during the erection and test testing of facilities against Sudden and Unforeseen Loss or Damage.

Contractors’ Plant and Machinery (C.P.M)

Contractors' Plant and Machinery Policy C.P.M Insurance gives the Contractors the insurance protection to the Plants and Machinery whatever its type like Cranes, Lifting Equipment, Road Construction Machinery, Paving Equipment ,Excavators and drills , etc……… The Cover is provided on an Annual basis as All risks cover with named exclusions and extended to cover the Plant and Machinery while at work, rest or maintenance or overhaul. The company is Liable for Loss or Damage due to the following causes of loss :
  • Sudden and unforeseen accidental loss or damage
  • Fire ,Theft, Burglary
  • Flood, Inundation, Windstorm
  • Earthquake, Landslide and Volcanism
  • Lack of skills or lack of expertise
  • Impact , slip and overturn

Machinery Breakdown (M.B)

Machinery insurance provides cover against a wide range of losses from breakdown of plant production equipment, boilers, pressure vessels, heating and cooling equipment, etc……. In addition to material damage, equipment breakdown frequently results in substantial consequential loss such as business interruption (e.g. power generation, refrigeration system, etc….. ) insurance can be extended to include these consequential losses either as stand-alone covers or as endorsement to the direct damage cover. The Cover provided on an Annual basis and the company is normally Liable for Loss or Damage due to the following causes:
  • Faulty Design
  • Faulty Operation
  • Physical Explosion
  • Shortage of Water in Boilers
  • Storm, Frost
  • Short Circuit, Excess Voltage and Other Electrical Causes

Electronic Equipment Insurance (E.E.I)

More Recently, The need for electronic equipment insurance has grown rapidly with the development of the internet and other wider range of electronic technology which together underlined the importance and exposure of electronic equipment. A wide selection of insurable items under electronic equipment insurance cover (EEI) varies among Low tension power supply , mainframes , Pc's , notebooks , Electronic Data Processing EDP, telecommunication Equipment , Hospital and medical equipment ,etc………….. The Cover is provided on an Annual and All Risks basis that covers all risks that are not expressly excluded. The company normally liable for loss or damage due to the following causes:
  • Fire, Lightning
  • Explosion, Smoke
  • Water, Humidity
  • Burglary
  • Human Errors
  • Lack of Skills
  • Short circuit and Other Electrical Causes

Deterioration of Stock (D.O.S) Following Machinery Breakdown

D.O.S Covers Loss or Damage occurring to the Goods in Cold Storage due to Sudden and Unforeseen Breakdown of Refrigerant Machinery The Coverage can be extended to include some other Risks, the most important are:
  • Strike, Riot & Civil Commotion
  • Failure of Public Power Supply
  • Failure of Non-Public Power Supply


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