Erection All Risk (EAR) Insurance: EAR Insurance is designed to protect against losses arising during the erection and installation of machinery, plant, and steel structures. It covers physical damage to projects, equipment, and machinery, as well as liability for third-party bodily injury or property damage resulting from these operations. Covered parties typically include general contractors, subcontractors, and in some cases, suppliers and manufacturers of equipment. Optional coverage can also include delay in start-up costs. While EAR insurance provides coverage during the erection and a specified maintenance period, Comprehensive General Liability Insurance (CGL) extends coverage beyond the period specified under the EAR policy.

Comprehensive General Liability (CGL) Insurance: CGL Insurance offers protection against claims of bodily injury or property damage arising from business operations, safeguarding individuals, businesses, and organizations. This insurance is essential for both small and large enterprises. Coverage includes third-party bodily injury (e.g., a customer slipping on your premises), third-party property damage (e.g., damage during client services), defamation (libel or slander), and employer liability, which includes coverage for your employees and those of subcontractors.

Legal Liability Insurance (Corporate & Professional): There are two main types of Legal Liability Insurance: Directors and Officers (D&O) Insurance and Professional Indemnity Insurance (PII), also known as Professional Liability Insurance (PLI). D&O Insurance protects corporate directors and officers from personal losses and legal expenses if sued, typically by shareholders or creditors. PLI protects professionals from claims related to negligence or other failures in their professional activities, typically brought by customers. PLI covers issues such as mistakes, missed deadlines, negligence, and breach of contract.

Industrial All Risks (IAR) Insurance: IAR Insurance provides comprehensive coverage for business property against a wide array of risks, including fire, burglary, accidental damage, breakdowns, and business interruptions. Insured items can include buildings, furniture, machinery, stock, and office equipment. While CGL covers liability issues related to business operations, IAR protects against property damage and interruptions due to unforeseen events such as fires, storms, earthquakes, water damage, and more.

Public Liability Insurance: Public Liability Insurance is crucial for businesses that interact with the public, such as retail stores, offices, hotels, schools, and other establishments. It covers compensation for bodily injuries or property damage caused to others, attributable to negligence by you, your employees, or defects in your premises. The policy also includes coverage for legal costs. Public Liability Insurance is often purchased alone or in combination with Industrial All Risks Insurance (IAR), providing a comprehensive risk management solution.