The Basic Concept of C.A.R Policy is to offer Comprehensive Protection against Sudden and Unforeseen Loss or Damage to Civil Engineering Works such as Residential and Office Buildings Airports, Bridges, Dams, Tunnels, Canals, Stadiums, Theaters in respect of:

• The Contract Works including Preparatory Works & Temporary Structures
• The Construction Plant & Equipment, and
• The Construction Machinery, as well as
• Legal Liability arising out of Property Damage or Bodily Injury suffered by Third parties and occurring in connection with the Contract Works

Normally the Insurers Liable for Loss or Damage due to the following causes:

• Fire, Explosion
• Theft, Burglary
• Flood, Inundation, Windstorm, as well as
• Earthquake, Landslide and Volcanism 
• Removal of debris from the site in the event of a loss Indemnifiable under the policy

The Coverage can be extended to include:

• Strike, Riot & Civil Commotion
• Testing of Machinery & Installations
• Maintenance Period after Execution of Works
• Existing Property if the contract an extension of an Existing Project
• Inland transit
• Property in off-site storage
• Designer’s Risk

E.A.R Policy is similar to C.A.R as it provides Comprehensive Protection including Legal Liability arising out of Property Damage or Bodily Injury suffered by Third Parties and occurring in connection with the Erection Works

E.A.R Covers Sudden and Unforeseen Loss or Damage during the Execution & Testing Period to Erection Works of Machinery, Plant and Steel Structures such as Turbines, Generators, Steam boilers, Compressors, Engines, Transformers as well as Industrial Plants such as Power Stations, Chemical Plants, Paper and Textile Factories

Normally the Insurers Liable for Loss or Damage due to the following causes:

• Fire, Explosion
• Theft, Burglary
• Flood, Inundation, Windstorm
• Earthquake, Landslide and Volcanism 
• Erection Faults
• Short Circuit and Excess Voltage
• Removal of debris from the site in the event of a loss indemnifiable under the policy

The Coverage can be extended to include:

• Strike, Riot & Civil Commotion
• Maintenance Period after Execution of Works 
• Inland transit and
• Property in off-site storage
• Manufacturer’s Risk

This Insurance Covers Sudden and Unforeseen Loss or Damage occurring to Electronic Equipment whatever its type like Electronic Data Processing, Equipment for Research , Electro-Medical Equipment , Communication Facilities, Mobile and Portable Equipments, etc

The Cover provided on an Annual basis and the Insurers 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

The Coverage can be extended to include some other Risks, the most important are:

• Strike, Riot and Civil Commotion
• Theft

C.P.M Covers Sudden and Unforeseen Loss or Damage occurring to Contractors Plant and Machinery whatever its type like Cranes, Lifting Equipment, Road Construction Machinery, Bridge Building Machinery, etc

The Cover provided on an Annual basis and extended to cover the Plant and Machinery while it works, during rest or maintenance or during transit from & to construction sites

Normally the Insurers Liable for Loss or Damage due to the following causes:

• Fire, Theft, Burglary
• Faulty Operation
• Flood, Inundation, Windstorm
• Earthquake, Landslide and Volcanism
• Impact

The Coverage can be extended to include Strike, Riot and Civil Commotion

M.B Covers Sudden and Unforeseen Loss or Damage occurring to Machinery, Production Lines and Cold Storages

The Cover provided on an Annual basis and the Insurers 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

The Coverage can be extended to include some other Risks, the most important are:

• Strike, Riot & Civil Commotion
• Internal Fire, Internal Chemical Explosion, Direct Lightning
• Damage to Raw Materials , Semi-Finished and Finished Products as a result of Leakages from Tanks and Vessels, provide such loss is a consequence of Material Damage Indemnifiable under the policy 
• Loss or Damage caused by Inundation resulting from Bursting Pipes due to peril covered by the policy

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