Contractors’ All Risks (Car) and Erection All Risks (Ear) Insurance

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This programme will enable participants to understand the coverage afforded under the two related policies, namely Contractors’ All Risks (CAR) Insurance and Erection All Risks (EAR) Insurance.

Both are related to projects, but they have some technical differences. These differences will be highlighted, and specific clauses / endorsements will be addressed. Case studies will also be used to share the applications of these respective insurance policies.


Learning Objective

  • understand how the construction / erection policies are arranged.
  • appreciate the differences involved between CAR and EAR covers
  • learn why the Testing and Commissioning period is crucial in a project.


Program Duration

2 Days


Program Content (9.00am -5.00pm)

  • The need for insurance for construction/ erection risks
  • how the policies responds and the relevant perils(s).
  • the clauses and endorsements that apply
  • comparison between the two wordings
  • specific T&C period issues and higher policy excess.