CAR & EAR Insurance
Contractors’ All Risk (CAR) and Erection All Risk (EAR) cover protect a project during construction or installation — CAR for civil construction works, EAR for the erection and installation of machinery and plant.
Project-period cover for construction and erection risk
CAR applies to civil construction — buildings, roads, structures — covering materials and plant on site. EAR applies to erection and installation projects — machinery being installed, tested, and commissioned — where the exposure is different in kind, not just scale.
Some projects need both types of cover in parallel, depending on the mix of civil and installation work involved.
Why CAR & EAR cover matters
CAR covers civil construction
Buildings, roads, and structures — materials and plant on site during the build.
EAR covers erection & installation
Machinery being installed, tested, and commissioned — a different exposure than civil works.
Some projects need both
Projects mixing civil construction with equipment installation often carry both types of cover in parallel.
What CAR & EAR insurance covers
Material Damage
Cover for damage to the works during construction or erection.
Third-Party Liability
Cover for third-party liability at the project site.
Testing & Commissioning
Cover during the testing and commissioning period, where opted.
Civil & Erection Risk
Cover tailored to either civil construction or erection work.
Built for those running a project, start to handover
Civil Contractors
Cover for buildings, roads, and structural works.
Erection & Installation Contractors
Cover for machinery being installed, tested, and commissioned.
Project Owners
Either party can take out cover, depending on contract terms.
Supported from comparison through claims
Our Digital Insurance Journey is how we work every business insurance enquiry, start to finish.
Enquire
Tell us about your project’s scope — civil, erection, or both.
Learn & Compare
We explain CAR vs. EAR and cover-period questions, then compare relevant plans across insurers.
Apply & Issue
Your advisor handles the paperwork, liaises with the insurer, and checks the policy before you rely on it.
Renewals & Claims
We stay reachable through the project, and our Claims Support desk helps if something goes wrong on site.
Frequently asked questions
Cover that often goes with CAR & EAR insurance
Looking for the right cover for your project?
Talk to an advisor about how CAR & EAR Insurance fits your project — we compare across insurers rather than selling a single product.