ENGINEERING INSURANCE

Perla Insurance offers a comprehensive suite of Engineering Insurance products to safeguard your construction, installation, and machinery investments from unforeseen risks. Whether you're building, installing, or operating equipment, we’ve got you covered every step of the way.

Contractors All Risks (CAR) Insurance: This policy is ideal for building contractors, sub-contractors, and project owners, providing “all-risk†coverage during construction projects. It protects against loss or damage to:

The structure under construction

On-site materials and equipment

Third-party property damage

Third-party bodily injury

Coverage begins from the start of construction and lasts until project completion, including potential extensions for maintenance periods.

Erection All Risks (EAR) Insurance: This policy offers protection for electronic machines and sensitive equipment, including:

Equipment damage during transportation, unloading, or installation

Fire, explosion, theft, and natural calamities during setupt

Third-party liabilities

Testing and commissioning phase

Coverage starts from the time the equipment arrives on-site and continues through to successful installation and testing.

Electronic Equipment Insurance: This policy offers protection for electronic machines and sensitive equipment, including:

Computers and servers

Medical equipment like X-rays and CAT scanners

Office machines like photocopiers and fax machines

It covers accidental damage, electrical/mechanical breakdown, fire, theft, and operating errors—perfect for hospitals, offices, laboratories, and data centers.

Machinery Breakdown Insurance: Protects essential industrial and mechanical equipment from sudden and unforeseen physical damage. It applies to machinery such as:

Power generators

Pumps and compressors

Printing presses

Manufacturing equipment

Also includes Boilers and Pressure Vessel Insurance, which provides specialized protection for high-pressure equipment from risks like:

Explosion and implosion

Mechanical failure

Operator error

Damage from pressure-related accidents

With Perla’s Engineering Insurance, you’re not just insuring your assets—you’re securing the progress of your project and the future of your operations.