Contractors All Risk/Erection All Risk

Comprehensive solution for your valuable investment

Learn more about the risk facing companies today and tomorrow in our KNOWLEDGE & INSIGHTS CENTER


As global industrialization increases, certain industries escalate production to meet the world’s demands. With so much at stake in high-risk and expensive ventures, the role your insurer plays a critical role — from evaluating and advising on project viability from the outset, through to the provision of cover and essential and cost-containing loss control capabilities throughout the entirety of the project.

The world of energy is a highly complex and specialized place. At AIG, we believe it takes the same degree of specialization to properly address the insurance and risk management needs of those engaged in these businesses. We offer a deep understanding of energy insurance, plus superior loss-control capabilities, responsive claims handling and substantial capacity to help your business face any challenge or opportunity with confidence.

Product highlights

A trusted partner

We partner with our brokers and clients through adverse events and economic conditions and help craft solutions that address risk management needs. This helps clients identify and prioritize their investment in risk improvements. Our disciplined, long-view, partnership approach to property risk is creating a new paradigm in the insurance marketplace.

Industry expertise

Our team of experts provides robust solutions, including risk management and multinational programs, as well as comprehensive loss prevention engineering capabilities. We are structured to support the market segments we serve. Our underwriters are well-known for their deeply specialized industry segment knowledge and expertise.

Service and support

Working together, we craft multinational programs that support our clients’ business plans and objectives, providing proper coverage, regulatory compliance assistance and excellent service — from engineering, through underwriting, premium flows, claims and other services.

Claims capabilities

Our claims team has handled some of the biggest and most complex energy and construction property claims in history. We draw on local, first-hand knowledge of forms, business practices, legal and regulatory issues all over the world.

Who is it for?

Our broad appetite for construction and erection exposures a broad range of industries and the 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)

To learn more about industries and types of companies and institutions we cater to, please click below:

Light and heavy industries, including:

  • Power generation and utilities
  • Oil, gas and petrochemicals
  • Chemicals and pharmaceuticals
  • Mining
  • Manufacturing

Building construction of all types, including:

  • Residential
  • Commercial
  • Government
  • Industrial

Civil works and infrastructure projects, including:

  • Bridges, roadways, railways, pipelines, tunnels,
  • Dams and marine works
  • Water and wastewater distribution
  • Power transmission and distribution
  • Telecommunication networks
  • Pipelines and storage tanks
  • Mining

What is covered?

Construction All Risk (CAR)/Erection All Risk (EAR) provides an all risks cover during the construction period against loss or damage to property and third party liability for accidental bodily injury or property damage in connection with the performance of the contract.

Construction risks covered include power generation facilities, oil and petrochemical plants, manufacturing plants, infrastructure and transportation projects. Coverage can be extended to include commission and operational testing, delay in startup and third party liabilities.

How to make a claim?

When you buy insurance from AIG, you can have confidence that we stand ready to help you recover quickly when the unexpected happens. The claims operation that underpins every AIG policy is one of our greatest strengths, with a strong local claims team backed by our global network of expertise to support you when you face a loss.

For claims associated with these products, please reach out to your insurance broker to assist you. You may also contact us at:

Phone: +63 2 8 878 5455


Click below to learn about the necessary documents needed in order to submit a claim.

The Insured must:

  • Coordinate any loss to AIG without delay. Policy requirement is usually within 7 days.
  • List the loss incurred/damaged property for easy reference during site visit
  • Act like a prudent person in protecting the property from further damage
  • Impart necessary information/document to AIG’s representative.
  • Make periodic follow-up

Documents to be submitted:

  • Incident/investigation report
  • Certificate from Bureau of Fire Protection for loss due to fire
  • Technical report from supplier/repairer for loss due to machinery breakdown/electronic equipment
  • List of damaged items with corresponding quotation/purchase order/invoice/official receipt
  • Properly labeled colored photographs of the damages sustained
  • Further documents will be requested if proven necessary such as, but not limited to, bill of quantity, lease contract, acquisition documents of property, building/electrical/mechanical layout,equipment/machine manual and maintenance logbook, audited financial statement, stock inventory report,

How are claims settled?

  • Evaluation of claim (policy attachment and measurement of loss) will commence upon completion of documentary requirement.
  • If everything is in order, an offer will be released within 10 working days.
  • If offer is acceptable, payment will be issued within 7 working days.