{"uin":"IRDAN144RP0005V01201011","name":"Erection All Risks Insurance","url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011","insurer":{"slug":"sbi-general-insurance","name":"SBI General Insurance Company Limited","url":"https://indiainsurances.com/insurer/sbi-general-insurance"},"line":"general","category":"engineering","category_name":"Engineering","irdai_type":null,"kind":"product","status":"active","approved_on":"2010-05-17","withdrawn_on":null,"summary":"Erection All Risks Insurance is an engineering indemnity policy for erection projects during storage, erection and testing at the insured site. It covers material damage by any cause other than exclusions and third party legal liability, with cover period running from unloading at site to testing or the scheduled expiry.","analysis":{"state":"machine","analysed_at":"2026-10-20 09:17:01.712628+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Cover commences after unloading of the scheduled property at the scheduled site and continues until immediately after the first test operation or test loading, but not beyond four weeks from trial running or readiness for work. At the latest, it expires on the date specified in the Schedule unless extended with additional premium.","display":"From after unloading at the site until first test operation/test loading, but not beyond four weeks from trial running/readiness; at latest expires on schedule date.","note":"For second-hand/used property, cover ceases immediately on commencement of testing.","quote":"only from the time after the unloading of the property specified in the Schedule from any conveyance at the site specified in the Schedule and shall continue until immediately after the first test operation or test loading is concluded (whichever is earlier) but in no case beyond four weeks from the day on which after completion of erection a trial running is made and/or readiness for work is declared by the erectors/ contractors, whichever is earlier. ... At the latest, the insurance shall expire on the date specified in the Schedule but if the work of erection and test operations included in the insurance is not completed within the time specified hereunder, the Company may extend the period of Insurance but the Insured shall pay to the Company additional premium at agreed rates.","sources":[{"clause":null,"heading":"PERIOD OF COVER","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011/document/15018#c-period-of-cover"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"The insured must immediately notify the Company by telephone or telegram as well as in writing, giving the nature and extent of loss or damage. The Company is not liable if notice is not received within 14 days of detection.","display":"Immediately by telephone or telegram and in writing; no liability if notice is not received within 14 days of detection.","note":null,"quote":"a) Immediately notify the Company by telephone or telegram as well as in writing giving an indication as to the nature and extent of loss or damage. ... The Company shall not in any case be liable for loss, damage or liability of which no notice has been received by the company within 14 days of its detection.","sources":[{"clause":"12(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011/document/15018#c-12-a-2"},{"clause":"12(e)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011/document/15018#c-12-e-2"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["all such information and documentary evidence as the Company may require"],"display":"All information and documentary evidence the Company requires.","note":"The policy does not print a fixed document list.","quote":"d) Furnish all such information and documentary evidence as the Company may require","sources":[{"clause":"12(d)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011/document/15018#c-12-d-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The CIS says the Company will settle the claim within 7 days from receipt of the final survey report. If the surveyor report is not received within 15 days from allocation, the claim shall be settled within 22 days, but this timeline is not applicable for policies issued on building/property on reinstatement basis.","display":"7 days from receipt of the final survey report; 22 days if surveyor report is not received within 15 days from allocation.","note":"From the CIS; the policy wording does not state a claim settlement TAT.","quote":"The Company will settle the claim within a period of 7 days from the receipt of the final survey report, as the case may be. Where the Company has failed to receive the report of surveyor within the stipulated time (15 days from allocation), in such case, the claim shall be settled within 22 days in compliance with section 64UM of Insurance Act, 1938. (This timeline is not applicable for policies issued on (building/property) on reinstatement basis)","sources":[{"clause":"5","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011/document/15006#c-5"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["War, invasion, act of foreign enemy, hostilities or war like operations","Nuclear reaction, nuclear radiation or radioactive contamination.","Wilful act or wilful negligence of the Insured or of his responsible representative","Cessation of work whether total or partial.","loss, damage cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism","the first amount of the loss arising out of each and every occurrence shown as Excess in the Schedule","loss discovered only at the time of taking an inventory","normal wear and tear, gradual deterioration due to atmospheric conditions or lack of use or obsolescence or otherwise, rust, scratching of painted or polished surfaces or breakage of glass","loss or damage due to faulty design, defective material or casting, bad workmanship other than faults in erection","the cost necessary for rectification or correction of any error during construction unless resulting in physical loss or damage","loss of or damage to files, drawings, accounts, bills, currency, stamps, deeds, evidence of debt, notes, securities cheques, packing materials such as cases, boxes, crates","any damage or penalties on account of the Insured's non-fulfillment of the terms of delivery or completion under his Contract of Erection"],"display":"War and war-like operations; nuclear perils; wilful act or negligence; cessation of work; terrorism; excess; inventory-only losses; wear and tear/rust/glass breakage; faulty design/defective material/bad workmanship other than faults in erection; rectification of errors; files/drawings/accounts/currency/securities/packing materials; penalties or consequential loss for non-fulfilment of erection contract.","note":null,"quote":"a) War, invasion, act of foreign enemy, hostilities or war like operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, mutiny, civil commotion, military or usurped power, martial law, conspiracy, confiscation, commandeering a group of malicious persons or persons acting on behalf of or in connection with any political organisation, requisition or destruction or damage by order of any government dejure or de facto or by any public, municipal or local authority. ... b) Nuclear reaction, nuclear radiation or radioactive contamination. ... c) Wilful act or wilful negligence of the Insured or of his responsible representative ... d) Cessation of work whether total or partial. ... loss, damage cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism ... a) the first amount of the loss arising out of each and every occurrence shown as Excess in the Schedule; ... b) loss discovered only at the time of taking an inventory; ... c) normal wear and tear, gradual deterioration due to atmospheric conditions or lack of use or obsolescence or otherwise, rust, scratching of painted or polished surfaces or breakage of glass; ... d) loss or damage due to faulty design, defective material or casting, bad workmanship other than faults in erection. ... e) the cost necessary for rectification or correction of any error during construction unless resulting in physical loss or damage; ... f) loss of or damage to files, drawings, accounts, bills, currency, stamps, deeds, evidence of debt, notes, securities cheques, packing materials such as cases, boxes, crates; ... g) any damage or penalties on account of the Insured's non-fulfillment of the terms of delivery or completion under his Contract of Erection or of any obligations assumed thereunder including consequential loss of any kind or description or for any aesthetic defects or operational deficiencies.","sources":[{"clause":"12(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011/document/15018#c-12-a"},{"clause":"12(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011/document/15018#c-12-b"},{"clause":"12(c)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011/document/15018#c-12-c"},{"clause":"12(d)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011/document/15018#c-12-d"},{"clause":"12(e)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011/document/15018#c-12-e"},{"clause":"Section I(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011/document/15018#c-section-i-a"},{"clause":"Section I(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011/document/15018#c-section-i-b"},{"clause":"Section I(c)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011/document/15018#c-section-i-c"},{"clause":"Section I(d)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011/document/15018#c-section-i-d"},{"clause":"Section I(e)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011/document/15018#c-section-i-e"},{"clause":"Section I(f)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011/document/15018#c-section-i-f"},{"clause":"Section I(g)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011/document/15018#c-section-i-g"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"If you wish to register grievances directly with the insurer, write to the Head – Customer Care. If not satisfied with the decision or no response is received within 5 Business days, escalate to the Grievance Redressal Officer before going to the Insurance Ombudsman.","display":"Head – Customer Care first; then Grievance Redressal Officer if not satisfied or no response within 5 Business days; then Insurance Ombudsman.","note":"The wording also lists Bima Bharosa as a grievance registration route.","quote":"Alternatively, if you wish to register your grievances directly with us, you may write to the Head – Customer Care. We aim to respond to all Grievances within 7 days. ... In case, you are still not satisfied with the decision/resolution communicated by the above officer or have not received any response within 5 Business days, you may escalate the matter to the Grievance Redressal Officer (GRO) ... If you feel that the response to your Grievance was unsatisfactory, or if you believe your concerns have not been adequately addressed by the company, you may escalate the matter to the Insurance Ombudsman.","sources":[{"clause":null,"heading":"Stage 2: Head – Customer Care","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011/document/15018#c-stage-2-head-customer-care"},{"clause":null,"heading":"Stage 3: Grievance Redressal Officer (GRO)","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011/document/15018#c-stage-3-grievance-redressal-officer-gro"},{"clause":null,"heading":"Stage 4: Escalation to Insurance Ombudsman","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011/document/15018#c-stage-4-escalation-to-insurance-ombudsman"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["sudden and unforeseen physical loss of or damage to the property Insured","the property (except packing materials of any kind) or any part thereof described in the said Schedule be lost, damaged or destroyed by any cause, other than those specifically excluded hereunder","cost of clearance and removal of debris following upon any event giving rise to an admissible claim","Earthquake - Fire & Shock","Landslide/Rockslide/Subsidence","Flood/Inundation","Storm/Tempest/Hurricane/Typhoon/Cyclone/lightning or other atmospheric disturbances","Legal liability for accidental loss or damage caused to property of other persons","Legal liability (liability under contract excepted) for fatal or non-fatal injury to any person"],"display":"Sudden and unforeseen physical loss or damage to insured property; loss, damage or destruction by any cause other than exclusions; debris removal; earthquake fire and shock; landslide/rockslide/subsidence; flood/inundation; storm/tempest/hurricane/typhoon/cyclone/lightning or other atmospheric disturbances; third party property damage and bodily injury liability.","note":null,"quote":"the Company will indemnify the Insured against sudden and unforeseen physical loss of or damage to the property Insured ... the property (except packing materials of any kind) or any part thereof described in the said Schedule be lost, damaged or destroyed by any cause, other than those specifically excluded hereunder ... cost of clearance and removal of debris following upon any event giving rise to an admissible claim ... a) Earthquake - Fire & Shock ... b) Landslide/Rockslide/Subsidence, ... c) Flood/Inundation, ... d) Storm/Tempest/Hurricane/Typhoon/Cyclone/lightning or other atmospheric disturbances. ... a) Legal liability for accidental loss or damage caused to property of other persons including property held in trust by or under custody of the Insured for which he is responsible excluding any such property used in connection with erection thereon; ... b) Legal liability (liability under contract excepted) for fatal or non-fatal injury to any person","sources":[{"clause":null,"heading":"ERECTION ALL RISKS INSURANCE POLICY","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011/document/15018#c-erection-all-risks-insurance-policy"},{"clause":"Section I","heading":"MATERIAL DAMAGE","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011/document/15018#c-section-i"},{"clause":"Section I(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011/document/15018#c-section-i-a-3"},{"clause":"Section I(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011/document/15018#c-section-i-b-3"},{"clause":"Section I(c)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011/document/15018#c-section-i-c-2"},{"clause":"Section I(d)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011/document/15018#c-section-i-d-2"},{"clause":"Section II(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011/document/15018#c-section-ii-a"},{"clause":"Section II(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011/document/15018#c-section-ii-b"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"The insured bears the first amount of the loss arising out of each and every occurrence, shown as Excess in the Schedule.","display":"First amount of each and every occurrence shown as Excess in the Schedule.","note":"The amount of Excess is schedule-specific and is not printed in these documents.","quote":"a) the first amount of the loss arising out of each and every occurrence shown as Excess in the Schedule;","sources":[{"clause":"Section I(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011/document/15018#c-section-i-a"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured can cancel at any time during the policy period by written notice. For a policy term up to one year, the Company refunds proportionate premium for the unexpired period if no claims were made; for policies over one year, it refunds premium for unexpired policy years whose risk coverage has not commenced.","display":"Written cancellation any time; proportionate unexpired premium for term up to one year if no claims; unexpired premium for term over one year if risk coverage for those policy years has not commenced.","note":null,"quote":"Insured can cancel this Policy at any time during the policy period by giving the Company notice in writing, in such case, The Company shall\n1. 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'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The policy refers to the site specified in the Schedule or the insured site, but no geographic territory is printed.","quote":null,"sources":[],"law":[]},{"key":"equipment_covered","label":"Equipment or project covered","section":"Cover","meaning":"What is insured.","status":"quote-verified","value":"The product covers erection projects during Storage, Erection & Testing of property at the insured site. 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It is adjustable at completion of erection based on actual freight and handling charges, customs dues and costs of erection declared by the insured.","display":"Completely erected value of the property, including freights, custom duty and erection cost; adjusted at completion on actual freight/handling, customs dues and erection costs.","note":null,"quote":"the sum of insurance stated in the Schedule shall not be less than the completely erected value of the property inclusive of freights, custom duty, erection cost ... The Sum Insured under the Policy representing the completely erected value of the plant machinery/project shall be adjustable at completion of erection on the basis of the actual values to be declared by the Insured in respect of freight and handling charges, customs dues and costs of erection","sources":[{"clause":null,"heading":"PROVISIONS APPLYING TO SECTION – I Memo 1 - SUM INSURED –","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011/document/15018#c-provisions-applying-to-section-i-memo-1-sum-insu"},{"clause":null,"heading":"Memo 2 - PREMIUM ADJUSTMENT –","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011/document/15018#c-memo-2-premium-adjustment"}],"law":[]},{"key":"under_insurance","label":"Under-insurance (average) clause","section":"Limits and co-pay","meaning":"If the sum insured is less than the real value, claims are cut in proportion.","status":"quote-verified","value":"If at the time of loss the Sum Insured representing the completely erected value of the property or item is less than the amount required to be insured, the amount recoverable is reduced in the proportion that the Sum Insured bears to the amount required to be insured.","display":"Claims are reduced proportionately if the Sum Insured is less than the amount required to be insured.","note":null,"quote":"If in the event of the occurrence of a loss, or damage it is found that the Sum Insured representing the completely erected value of the property and/or of particular item involved is less than the amount required to be insured, then the amount recoverable by the Insured under this Policy shall be reduced in such proportion as the Sum Insured bears to amount required to be insured.","sources":[{"clause":null,"heading":"PROVISIONS APPLYING TO SECTION – I Memo 1 - SUM INSURED –","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011/document/15018#c-provisions-applying-to-section-i-memo-1-sum-insu"}],"law":[]}],"documents":[{"kind":"wording","label":"Erection All Risks Insurance Policy Wordings (Retail)","pages":4,"fetched_at":"2026-10-16 04:24:51+00","source_url":"https://content.sbigeneral.in/uploads/ERECTION_ALL_RISKS_EAR_INSURANCE_Wording_Retail_d93d4e69fb.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011/document/15018"},{"kind":"wording","label":"Erection All Risks Insurance Policy Wordings (Retail)","pages":4,"fetched_at":"2026-10-17 20:01:31+00","source_url":"https://content.sbigeneral.in/uploads/Erection_All_Risks_EAR_Insurance_Wording_Retail_30602a8583.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011/document/15268"},{"kind":"wording","label":"Erection All Risks Policy (IRDAI copy)","pages":8,"fetched_at":"2026-10-20 01:44:03+00","source_url":"https://irdai.gov.in/documents/37343/993134/56_Erection+All+Risks+%28EAR%29+Insurance_GEN473.pdf/3dfb69f5-c3ea-d535-0753-f78f12ea6b25?version=1.1&t=1668234557889&download=true","url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011/document/27120"},{"kind":"prospectus","label":"Erection All Risks Insurance Prospectus","pages":3,"fetched_at":"2026-10-16 04:24:30+00","source_url":"https://content.sbigeneral.in/uploads/Erection_All_Risks_Insurance_Policy_Prospectus_bd1a2bae33.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011/document/15007"},{"kind":"prospectus","label":"Erection All Risks Insurance Prospectus","pages":3,"fetched_at":"2026-10-17 20:01:10+00","source_url":"https://content.sbigeneral.in/uploads/Erection_All_Risks_EAR_Insurance_Propsectus_Retail_1728eae140.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011/document/15258"},{"kind":"cis","label":"Erection All Risks Insurance CIS","pages":5,"fetched_at":"2026-10-16 04:24:29+00","source_url":"https://content.sbigeneral.in/uploads/Erection_All_Risks_Insurance_Policy_CIS_c15eaf79dc.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011/document/15006"},{"kind":"cis","label":"Erection All Risks Insurance CIS","pages":5,"fetched_at":"2026-10-17 20:01:09+00","source_url":"https://content.sbigeneral.in/uploads/Erection_All_Risks_EAR_Insurance_CIS_39f03976a1.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011/document/15259"}],"versions":[{"uin":"SBG-EN-P11-53-V01-10-11","version":null,"approved_on":null},{"uin":"IRDAN144RP0005V01201011","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"SBI General Insurance official website","url":"https://www.sbigeneral.in/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Health claims","url":"https://www.sbigeneral.in/claim/health","note":null},{"purpose":"claim","kind":"insurer","name":"Home claims","url":"https://www.sbigeneral.in/claim/home","note":null},{"purpose":"claim","kind":"insurer","name":"Motor claims","url":"https://www.sbigeneral.in/claim/motor","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.sbigeneral.in/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Policy renewal","url":"https://www.sbigeneral.in/policy-renewal","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Erection All Risks Insurance (UIN IRDAN144RP0005V01201011), IndiaInsurances, https://indiainsurances.com/policy/sbi-general-insurance/erection-all-risks-insurance-irdan144rp0005v01201011"}