-     Construction of residential buildings of various types (apartments, villas, chalets, etc.)

-     Construction of administrative buildings of various types (banks, malls/stores, etc.)

-     Construction of recreational buildings (theaters and cinemas, exhibitions, amusement parks, etc.)

-     Construction of many other types of buildings such as hospitals, hotels, tourist resorts, factories, etc.

-     Construction of roads, bridges, tunnels, and dams.

-     Construction of water treatment and/or distribution stations, including laying their pipelines. - Construction of sewage or freshwater pumping stations, as well as laying their pipelines.

-     Construction of port sidewalks/wave Breaks.

- Projects for the restoration or maintenance of buildings. Projects for leveling/digging ground /general city planning (gardens, walls, beautification of squares, etc.)

1^st Main Coverage:

-          The policy covers all the sudden unforeseen damage that may occur and cause material damage during the construction period. Although, it specifies risks which are excluded. Typically, the (CAR) policy mainly covers 2 sections.

-          Section 1 Material Damage

Fire, burglary, theft, explosion, lack of skill, incorrect execution. Flooding, water inundation, hurricanes, earthquakes, land subsidence, soil collapse (which are referred to as natural hazards).

These types of losses may cause material damage to the

-          Contracted works. 

-          Materials provided by the owner.

-          Construction tools and equipment.

-          Construction machinery and equipment.

-          Surrounding properties owned by the project owner.

Coverage may also include the cost of debris removal if the insured requests it.

- Section 2 third party liabilities

The material damage caused to other civilians affects their person and/or property because of carrying out contracting work, which the insured shall be legally responsible for it. Usually, the limits of civil liability towards others (specifies an amount for each item)

A - Bodily injury: - per person / Incidents no matter number of individuals.

B –Material damage per occurrence for each incident

Yes, and usually requires additional premiums. Below is the most famous coverage:

-               Strike, riot and civil commotion/ labor commotion.

-               Cross liability

-               Maintenance visits

-                Extended maintenance

-               Overtime, night work, night work on public holidays and express freight

-               Air transport expenses

-               construction machinery

-               Testing machinery and installations

-               Manufacturer’s Risk

-       Inland Transit

1- Installation of machines and equipment of all kinds (production lines, pumping stations, electric generators, turbines, cranes, central air conditioning, etc.)

2- Metal constructions and installations in general (metal bridges, metal buildings, metal tanks, metal or plastic sewer lines, etc.).

3- Coverage can include civil works (construction of buildings or similar) that are considered part of the same project, such as construction works for factories or concrete bases for metal bridges, etc.

1^st Main Coverage:

The policy covers all the sudden unforeseen risks that may occur and cause material damage during the Erections or installation period. Although, it specifies specific risks which are excluded. Typically, the (CAR) policy mainly covers 2 sections.

Section 1 Material Damage Fire, burglary, theft, explosion, lack of skill, incorrect execution. Flooding, water inundation, hurricanes, earthquakes, land subsidence, soil collapse (which are referred to as natural hazards).

These types of losses may cause material damage to the

- Contract work

- Civil work

- Construction tools and equipment

- Materials provided by the owner.

- Construction machinery and equipment.

- Surrounding properties owned by the project owner.

Coverage may also include the cost of debris removal if the insured requests it.

Section 2 third party liabilities

The material damage caused to other civilians affects their person and/or property because of carrying out contracting work, which the insured shall be legally responsible for it. Usually, the limits of civil liability towards others (specifies an amount for each item)

A - Bodily injury: - per person / Incidents no matter number of individuals.

B –Material damage per occurrence for each incident

Yes, and usually requires additional premiums. Below is the most famous coverage:

-               Strike, riot and civil commotion/ labor commotion.

-               Cross liability

-               Maintenance visits

-                Extended maintenance

-               Overtime, night work, night work on public holidays and express freight

-               Air transport expenses

-               construction machinery

-               Testing machinery and installations

-               Manufacturer’s Risk

-      Inland Transit

1-   Basic coverage

Insure the contractor plants and machinery during its operation, maintenance, rest, and storage whilst its work within construction sites from any sudden unforeseen risk. Although, it specifies specific risks which are excluded.

This policy covers material damage losses that are arising from (For Example) Fire, burglary, theft, explosion, collision, coup, earthquake, and collapses.

Under any circumstances, this policy does not cover the third-party liability.

-              Yes, and usually requires additional premiums. Below is the most famous coverage:

-              Strike, riot and civil commotion / labor commotion.

-              Inland transit

-      Working underground.

- Production machinery and equipment in factories, whether stand-alone units or integrated production lines.

- Other stand-alone machinery and equipment, such as power generators, pumps, boilers, turbines, etc.

- Machinery and equipment for pumping stations or purification plants.

- Machinery and equipment for water desalination plants.

-First, the Main coverage.

This policy covers material damages losses arising from (for example):

1) Design errors.

2) Installation errors.

3) Material or casting defects.

4) Improper operation.

5) Intentional damage by a third party.

6) Short circuits or other electrical causes.

7) Centrifugal force.

8) Physical explosion.

9) Boiler water shortage.

-          Yes, and usually requires additional premiums. Below is the most famous coverage:

-          Riots, civil / labor commotion.

-          Costs and wages for overtime during the nights or on public holidays and rapid transportation

-          Air transport expenses

-          Existing constructions at the site and/or surrounding properties

-  Internal fire, chemical explosion and direct lightning

-    Fresh fruits, such as apples, pears, citrus fruits, and bananas.

-    Vegetables, such as potatoes, carrots, peas, and spinach, whether fresh or frozen.

-    Fresh, smoked, or frozen meat and fish.

-    Dairy products and dairy products.

-    Canned, cooked, or semi-cooked foods.

-    Serums, medicines, and similar medical products.

-  Chemical products

-      This policy ensures corruption / deterioration for the stored items as a direct result due to Machinery breakdown failure. It’s hereby agreed that the Machinery breakdown failure must be covered under Machinery breakdown policy.

-      This policy covers items’ deterioration because of:

·    High or low temperatures in refrigeration rooms.

·    Sudden and unexpected change of refrigerant gas (Freon or similar) inside refrigeration rooms.

-  Yes and usually requires additional premiums. Below is the most famous coverage:

•Riots, civil / labor commotion.

•Public power failure.

Electronic equipment for computers.

- Electronic medical devices such as X-ray machines, MRI machines, radiation devices, laser devices, laboratory devices, diagnostic devices, etc.

- Electronic communication devices such as modern Telecommunication central, wireless networks, radar, and reception/transmission devices for television/radio/satellite stations, etc.

-  Fire, whether with flames or without (smoldering, soot, surface fire)

-  Lightning and explosions

-  Short circuits and other electrical causes 

-  Water or any other liquids 

-  Defects on castings and defective materials

-  Operating errors

-  Intentional damage by others

-  The insurance coverage in (EEI) policy is divided into 3 sections.

·    Section 1: Material Damage Material damages to the insured electronic devices.

·    Section 2: Material damage to the data storage devices / Hardware. Also, the cost of data re-instatement  which is lost as a result of a covered loss.