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Contractors All Risks / Erection All Risks

Contractors All Risks and Erection All Risks (CAR/EAR) insurance is designed to provide comprehensive property damage coverage for the myriad of risks that construction projects face from project conception through completion and beyond.

Who is it for?

Major onshore oil and gas projects, buildings, infrastructure projects, power projects. 

See our Risk Appetite

Product Details  

Capacity: US $250 million Probable Maximum Loss basis.

Coverage can be tailored to include:

  • Testing and Commissioning
  • Delay in Start-Up
  • Transit and off-site Storage
  • Contractors’ plant and equipment
  • Third Party Liability
  • Maintenance (Defects Liability)

Risk Types

Erection All Risks (EAR)

Light and heavy industries, including:

Power generation and utilities

Oil, gas & petrochemicals

Chemicals and pharmaceuticals


Manufacturing and process industries (e.g. metals production and refining, pulp and paper, semiconductors and electronics, automobiles, food and beverages, textiles)

Contractors All Risks – Building Construction

Building construction of all types, including:





Contractors All Risks –Civil Works and Infrastructure

Civil works and infrastructure projects, including:

Bridges, roadways and railways, pipelines, tunnels, dams, marine works

Water and wastewater distribution

Power transmission and distribution

Telecommunication networks

Pipelines and storage tanks


Why choose Construction insurance from AIG?

Our market-leading capacity and technical expertise enable us to comprehensively address the most complex construction insurance needs of our customers.  And our global network of local companies, underwriters, engineers and claims specialists provides our clients with easy access and efficient service wherever their operations might take them.

Claims First

See our Energy & Construction claims value proposition 

Risk Engineering

We provide value-added loss control services during the planning, construction and erection, and testing and commissioning phases of a project.  Risk engineers located worldwide conduct risk assessment surveys and loss control inspections that analyze unique construction exposures such as lifting and rigging, tunnelling and underground works, transits and storage, testing and commissioning, and special exposures to partially completed structures from flood, windstorm, earthquake and fire, in addition to traditional areas of focus such as building code compliance and fire protection.

More Information

To learn more about AIG's capabilities in this field, please email

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