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Construction risk insurance – installation (CAR/EAR) for construction companies, developers, and investors is a comprehensive protection for construction investments.

CAR/EAR policies are among the most important financial securities in the construction industry and are often required by investors, banks financing investments, and public contracts.

Construction and Erection Risk Insurance

Comprehensive protection of construction investments–installation

Construction insurance, contractor liability, CAR/EAR, and protection of construction investments throughout Poland

The implementation of a construction investment involves significant financial, organizational, and legal risks.

It only takes one incident on the construction site, equipment failure, design error, flooding of the excavation, fire, or damage to third-party property for the investment to be delayed or incur multi-million losses.

That is why at JUMAX we offer professional construction risk insurance – CAR/EAR installation designed for construction companies, general contractors, investors, developers, and subcontractors executing construction and assembly contracts throughout Poland.

CAR/EAR policies provide protection both during the construction of new facilities and during the expansion, modernization, renovations, or reconstruction of existing properties.

What is construction and installation risk insurance CAR/EAR?

CAR Policy – Contractors All Risks

All Risks Construction Insuranceprotecting the investment from unforeseen events during the execution of construction works.

EAR Policy – Erection All Risks

All Risks Installation Insurancecovering technological installations, machinery and equipment assembly, and technical infrastructure.

Who do we insure?

⇒ We cover:

private and institutional investors,
construction companies,
general contractors, subcontractors,
developers,
consortium leaders, consortium members,
clients,
individuals conducting business activities,
legal entities,
organizational units without legal personality,
individuals not conducting business activities who are investors.

What investments are covered by the construction and installation risk insurance – CAR/EAR?

⇒ We insure, among others:

single-family homes, multi-family buildings, apartment complexes,
production halls, warehouses, logistics centers, industrial facilities,
office buildings, shopping malls, stores, restaurants, hotels,
schools, hospitals, religious buildings, sports facilities, cinemas,
technological installations, energy and industrial infrastructures.

What does construction and assembly risk insurance CAR/EAR cover?

► Section I – Insurance for construction and assembly works

⇒ The policy covers damages incurred during:

the construction of new facilities, expansion, reconstruction, rehabilitation,
modernization, renovations, dismantling, demolitions,
installation of systems and equipment.

⇒ Coverage may also include:

building materials, assembly materials,
construction machinery, construction equipment,
construction site facilities,
the investor's property,
property stored outside the construction site,
transport of construction elements,
construction documentation.

► Section II – Liability insurance for construction and contractor's liability

An extension of coverage isliability insurance (OC) for constructioncovering damages caused to third partiesduring the execution of construction and assembly works.

⇒ The construction liability policy protects, among other things, against the effects of:

damage to neighboring properties,
damages caused by earthworks,
landslides,
damage to underground installations,
flooding,
vibrations and structural violations,
environmental damages,
personal and property damages.

This is an extremely important safeguard for any company carrying out construction investments in Poland.

Basic and extended scope of CAR/EAR protection

⇒ The coverage includes among others:

damage in construction and assembly works,
damage to construction equipment,
damage during hot tests,
damage during the interruption of construction and assembly works,
damage after the acceptance of part of the investment,
damage during the extended period of work execution,
damage during maintenance,
damage to employees' property,
damage during transportation,
damage resulting from design errors,
damage to property stored off-site.

⇒ Additionally, we cover the costs:

of overtime work,
express and air freight,
removal of damage remnants,
searching for the damage location,
fees for appraisers and experts,
reconstruction of construction documentation,
additional protective works,
increase in investment value.

⇒ Extension of coverage – additional clauses:

The insurance scope can be extended to include:

risks of strikes and riots,
acts of terrorism and sabotage,
extended maintenance period,
damage to existing property of the investor,
mutual liability,
environmental damage,
vibrations and weakening of load-bearing elements,
costs of repairing defective parts.

Thanks to this, the CAR/EAR policy is precisely tailored to the nature of the investment and the requirements of the contract.

The most important benefits for JUMAX Customers

Why construction companies choose CAR/EAR construction risk insurance?

Quick damage settlement

Possibility of immediate repair of damages up to 50,000 PLN. We provide assistance at every stage of the claims process.

No consumption of the insured sum

After the compensation payout, the insured sum can remain unchanged (in relation to property insured under fixed sum system).

Flexible protection conditions

We create a scope of protection tailored to the investment, schedule, and contractual risks.

Protection for large investments

We service both small constructions and multi-million infrastructure and industrial projects.

Expert support

We assist in analyzing construction risks and preparing documentation for insurance.

Protection in accordance with investor and bank requirements

We adapt the CAR/EAR policy to the requirements of contracts, the Terms of Reference (SWZ), the contractual conditions of the International Federation of Consulting Engineers (FIDIC), and financing institutions.

What documents are needed to prepare the offer?

In order to prepare a professional construction risk insurance offer for CAR/EAR installation, we most often need:

the contractual agreement,
the material-financial schedule,
the investment cost estimate specifying the completion dates of individual stages of work (in the absence of a schedule),
a description of the construction and installation scope,
the construction project,
SWZ (Specification of Terms of Order) and PFU (Functional-Utility Program) (in the case of a tender),
technical data of the facility,
a situational plan including neighboring facilities,
information on claims history from the last 3 years,
a list of construction machinery.

Construction and assembly risk insurance – offer for all of Poland

JUMAX provides comprehensive service for construction companies and investors carrying out contracts throughout Poland.

⇒ We select protection for:

residential construction,
industrial construction,
infrastructure investments,
technological installations,
public utility facilities,
energy and logistics projects.

JUMAX – expert in construction and corporate insurance

Are you looking for professional construction investment protection?

Do you need a CAR/EAR policy that meets the requirements of the contract, investor, or bank?

Contact the experts at JUMAX. We will prepare a tailored insurance program for your investment and protect your contract against unforeseen losses.

Construction and assembly risk insurance (CAR/EAR) protects investors, construction companies, general contractors, and subcontractors from costly unforeseen events on the construction site.

Below we present practical examples of damages covered by both the basic and extended insurance coverage.

This will help you better understand how professional construction insurance works and why the CAR/EAR policy is essential for project execution today.

Examples of damages covered by CAR/EAR construction risk insurance

What damages are covered by CAR/EAR insurance?

Examples of damages – basic scope of CAR/EAR insurance

Scope of insurance coverage

Example of damage

Construction and assembly work

Strong winds overturned the steel structure of the warehouse during assembly, necessitating the re-execution of the work.

Damage to construction equipment

The excavator was damaged during a landslide at the construction site.

Damage to building materials

Flooding of the construction materials warehouse after heavy rainfall has damaged the insulation and drywall.

Damage during hot tests

The failure of the technological installation during the initial start-up led to damage to the production line.

Damage during installation

The fall of a heavy structural element damaged the installed HVAC system.

Damage during the work interruption period

After the temporary suspension of construction, an act of vandalism occurred, resulting in the destruction of some completed work.

Damage after the receipt of part of the investment

After one segment of the building was put into use, a failure in the water installation occurred, causing flooding in the rooms.

Construction machinery

The crane tipped over during operation due to soil erosion.

Damage during maintenance period

During the removal of defects after acceptance, the contractor accidentally damaged the electrical installation of the facility.

Construction site facilities

The fire in the social container destroyed the documentation and equipment of the construction site.

Damage to employees' property

After the flooding of the construction site, the workers' personal tools were damaged.

Transport of materials and equipment

During the transport of the generator set, a collision occurred, resulting in damage to the equipment.

Design errors

The faulty ceiling design necessitated the demolition and reconstruction of part of the structure.

Items stored off the construction site

The structural elements stored outside the building were damaged by a fire in the warehouse.

Damages in the extended execution period

The delay in the contract has extended the period of exposure of the investment to the risk of fire and theft.

Examples of damages – additional costs covered by the CAR/EAR policy

Scope of insurance coverage

Example of damage

Overtime labor costs

After the structural failure, it was necessary to carry out repair work around the clock to meet the contract deadline.

Express and air freight

Complete import of installation components from abroad after equipment damage on the construction site.

Costs of cleaning up the damage remnants

After the fire in the hall, it was necessary to remove the rubble and burnt building materials.

Costs of locating the damage

The contractor had to break up the floors to locate the leak in the installation.

Costs of experts and appraisers

After the construction disaster, it was necessary to carry out technical assessments of the structure.

Reconstruction of construction documentation

After the flooding of the construction office, the technical documentation of the project was destroyed.

Elimination of minor damages

Quick repair of the damaged construction fence without a lengthy liquidation process.

Increase in investment value

During the implementation of the investment, the prices of materials and the value of the contract increased.

Examples of damages – extensions of CAR/EAR protection

Extensions of Section I – construction and assembly works

Scope of insurance coverage

Example of damage

Risk of strikes and riots

During the protests, construction equipment was set on fire and the investment's fencing was destroyed.

Extended maintenance period

A few months after the construction was completed, a defect in the installation was revealed that required repair.

Investor's existing assets

During the renovation of the shopping gallery, the existing fire protection system was damaged.

Costs of repairing defective parts

Poorly made structural elements required disassembly and reassembly.

Acts of terrorism and sabotage

Deliberate damage to the electrical panel paralyzed the execution of the investment.

Examples of damages – construction liability and contractor's liability

Extensions of Section II – civil liability (CL)

Scope of insurance coverage

Example of damage

Civil liability to third parties

A piece of scaffolding fell on a parked car belonging to a bystander.

Mutual responsibility

The subcontractor damaged equipment belonging to another company working on the same construction site.

Vibrations and ground weakening Environmental emissions

A leak of petroleum substances from construction machinery contaminated the soil and stormwater drainage.

Vibrations and soil weakening

The piling work has caused cracks in the walls of the neighboring building.

Damage to underground installations

During the excavation, the power cable and fiber optic network were damaged.

Personal injuries

The passerby was injured after being struck by a construction element falling from the scaffolding.

Flooding of neighboring properties

A failure in the water installation at the construction site led to flooding of the commercial premises next to the investment.

What are the most common construction damages – what do investors fear the most?

The most frequently reported damages in construction insurance concern:

fire on the construction site,
flooding of excavations,
landslides,
execution errors and design errors,
theft of construction materials,
damage to construction machinery,
damages caused to neighboring properties,
malfunctions during the startup of installations,
damages during the transport of equipment and structures.

That is why properly selected CAR/EAR insurance is today a key safeguard for every construction investment.

JUMAX – professional CAR/EAR construction insurance for companies and investors

At JUMAX, we help select comprehensive construction risk insurance – CAR/EAR assembly for:

development investments,
industrial construction,
halls and warehouses,
public utility facilities,
technical infrastructure,
energy projects,
technological installations.

We analyze contractual risks, investor requirements, and FIDIC conditions, allowing our clients to receive real financial protection and security for their investment.

JUMAX – an expert in construction insurance, contractor liability, CAR/EAR policies, and protection of large construction investments throughout Poland.

Life and health insurance

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In case of death after NNW

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Securing the future

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Variants for You (entry age 15 – 65 years) for You and Loved Ones (entry age 15 – 65 years) for Seniors (entry age 60 – 80 years), contract lasts for life custom variant (entry age 15 – 75 years) Additional packages Pension – in the event of the Insured's death, payment monthly Medical Services – laboratory tests package and personal Caregiver Child Health – payment of one premium for all children Cancer package Treatment abroad What it covers death of the insured, spouse/partner, parents/in-laws, child permanent health impairment and injury not causing impairment hospital stay due to illness or accident and surgeries inability to work serious illnesses and occurrence of in-situ cancer second medical opinion childbirth, orphaning of a child Assistance for the Insured and their Loved Ones D additional benefits possibility to create your own insurance variant no waiting period for the insured's death possibility to pay premiums monthly, quarterly, semi-annually, annually, possibility to change the frequency of premium payments Get acquainted with variants and life insurance premiums Generali

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Where it applies

insurance events occurring worldwide, subject to possible territorial exclusions indicated in the General Terms and Conditions for individual benefits

Subject of insurance

death as a result of an accident, traffic accident
permanent health impairment
medical expenses resulting from accidents
hospital stay due to an accident
temporary incapacity to work or study
rehabilitation costs

Additional options

heart attack, stroke
high-risk sports and competitive sports
bone fractures, burns or frostbite
permanent incapacity for gainful employment
costs of plastic surgery
orthopedic items and assistive devices
retraining

By clicking the BUY ONLINE button below, you can check the premium amount depending on the insurance period and the sum insured (General insurance conditions).

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for You (entry age 18– 66 years) + Family Medical Package
for Two (entry age 18– 66 years) + Family Medical Package
for You and Child (entry age 18– 66 years) + Family Medical Package
for Family (entry age 18– 66 years) + Family Medical Package
for You 66 PLUS (entry age 66– 80 years) + Medical Package for You 66 PLUS + Cardiological Telecare Package

Additional packages

CHILD–permanent health impairment, hospitalization, surgeries
FOR PARENT AND PARENT SPOUSE/PARTNER+ Medical Package for Parent and Parent Spouse/Partner
ACTIVE–assistance in recovery after an accident + Active Medical Package, e.g., for cyclists
INCAPACITY TO WORK – additional financial resources
CARDIOLOGICAL – heart attack, stroke, specialized treatment + Cardiological Medical Package
ONCOLOGICAL – cancer, including pre-invasive cancer + Oncological Medical Package
CIVILIZATION DISEASES – diabetes, osteoporosis, advanced hypertension, allergic bronchial asthma, thyroid diseases requiring surgical treatment, gastric or duodenal ulcer disease, gallstones requiring removal, hospital-treated depression + Civilization Diseases Medical Package
HEALTH PLUS– serious illnesses, specialized treatment+ Health Plus Medical Package
LIFE PLUS–in case of death, including terminal illness
SECOND MEDICAL OPINION– professional global medical opinion, advanced treatment methods
PENSION – incase of death of the Insured, monthly payment

What is covered

death of the insured, spouse/partner, parents/in-laws, child

permanent health impairment and injury not causing impairment
hospitalization due to illness or accident and surgeries
drug insurance after hospitalization, specialized treatment

incapacity to work and to live independently
serious illnesses, in-situ cancer / malignant tumor

birth of a child or grandchild, orphaning of a child
Medical Packagefor the Insured and Family

Dadditional benefits

ready options with the possibility of extending with additional packages

contract conclusion without medical examinations, one-year contract with the possibility of continuation, protection for the whole family on one policy
possibility of insuring under separate policies – payout from all separate life insurance policies
each option includes a Medical Package with specialist assistance, including psychologist support in difficult situations
financial support and access to private medical care

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Subject of insurance

occurrence of malignant tumor in the Insured
death of the Insured due to an accident
death of the Insured due to a traffic accident
civil liability in private life
fractures of the Insured's bones
rehabilitation after a bone fracture

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A passport to world medicine for the whole family!

The insurance gives you access to expert medical opinions based on the latest achievements in global medicine.

The medical opinion is prepared by a doctor or a team of specialist doctors from a leading medical institution specializing in diagnosing and treating the specific condition, including those from the USA, Germany, the UK, France, or Switzerland (36 countries).