निर्जीवन बीमा — पोलिसी तुलना

वार्षिक प्रिमियम: Rs 10,00,000 sum insured at ~2 per thousand (0.20%) indicative engineering/contractors' rate = Rs 2,000. Rate varies widely by project type/period; benchmark only.

Covers construction/erection projects and machinery against engineering risks. Includes CAR, EAR, machinery breakdown, contractors' plant and electronic equipment.

योजना विवरण

• Contractors' All Risks (CAR) for civil projects
• Erection All Risks (EAR) for plant erection
• Machinery breakdown insurance
• Contractors' plant & machinery (CPM)
• Electronic equipment insurance (EEI)
• Boiler & pressure plant explosion

वार्षिक प्रिमियम: Rate on total erection/contract value by project risk and duration; quoted per project.

All-risk cover for installation/erection of plant, machinery and equipment projects, sum insured on completed erection value.

Project and plant cover including Contractors' All Risks (civil works), Erection All Risks (machinery installation), Machinery Breakdown and Electronic Equipment insurance.

योजना विवरण

• Contractors' All Risks (CAR) for civil construction projects
• Erection All Risks (EAR) for installation/testing of plant and machinery
• Machinery Breakdown (accidental/electrical/mechanical breakdown)
• Electronic Equipment / Electronic All Risk cover
• Third-party liability arising from the project
• Cover during construction, testing, commissioning and maintenance period

वार्षिक प्रिमियम: Rate on total erection/contract value per NIA engineering tariff, by project nature and duration; quoted per project.

Covers erection and installation of plant, machinery and equipment against physical damage and third-party liability during installation and testing.

योजना विवरण

• Physical damage during erection and testing
• Fire and natural perils on site
• Third-party liability
• Testing and commissioning cover
• Optional maintenance period

Suite of engineering covers for construction and erection projects, machinery and electronic/industrial equipment, including Contractor All Risk, Erection All Risk, Machinery Breakdown, Boiler & Pressure Plant, Electronic Equipment, Contractor's Plant & Machinery and Civil Engineering Completed Risk.

योजना विवरण

• Contractor All Risk (CAR) for civil works - buildings, roads, bridges
• Erection All Risk (EAR) for plant/machinery installation incl. testing
• Machinery Breakdown - electrical/mechanical breakdown and repair/replacement
• Boiler & Pressure Plant and Electronic Equipment insurance
• Contractor's Plant & Machinery (CPM) across project sites
• Civil Engineering Completed Risk and Advance/Machinery Loss of Profit (DSU/ALOP)

Suite of engineering covers: Contractors All Risk (CAR), Erection All Risk (EAR), Contractors Plant & Machinery, Machinery Breakdown, Boiler Explosion and Electronic Equipment insurance for projects and plant.

योजना विवरण

• Contractors All Risk (CAR) for civil works - buildings, dams, flyovers
• Erection All Risk (EAR) for plant/machinery installation and testing
• Contractors Plant & Machinery (CPM)
• Machinery Breakdown and Boiler Explosion cover
• Electronic Equipment Insurance (computers, UPS, etc.)
• Loss of profit / advance loss of profit extension

वार्षिक प्रिमियम: CAR/EAR premium rated on full contract value (including materials, wages, freight, customs); machinery/EEI rated on replacement value of insured items

Suite covering construction and erection projects, machinery and electronic equipment: Contractor All Risk (CAR), Erection All Risk (EAR), Machinery Breakdown, Electronic Equipment Insurance and Contractor Plant & Machinery.

योजना विवरण

• Contractor All Risk (CAR) for civil projects - buildings, roads, hospitals
• Erection All Risk (EAR) for plant erection from material unloading onwards
• Machinery Breakdown - sudden physical loss/damage, faulty design/materials/operation
• Electronic Equipment Insurance for computers, telecom and medical devices
• Contractor Plant & Machinery (CPM) annual cover across multiple sites
• Covers fire, theft, earthquake, impact, riot and natural disasters

वार्षिक प्रिमियम: Annual rate per Nepal engineering tariff, a small percentage of the sum insured (replacement value) of the plant/equipment fleet.

Engineering policy covering construction plant, machinery and equipment against accidental physical loss or damage whether at work, at rest or during maintenance on site.

योजना विवरण

• Accidental damage to plant and machinery
• Fire, explosion, theft and burglary
• Natural calamities (flood, landslide, earthquake)
• Cover at work, at rest and during maintenance
• Excavators, cranes, mixers and similar equipment
• Sum insured on new replacement value basis

Covers plant, machinery and projects against sudden accidental physical loss/damage beyond fire cover; includes Contractors' All Risk and machinery breakdown.

योजना विवरण

• Machinery breakdown: electrical equipment, mechanical plant, process machinery
• Contractors' All Risk (CAR) for civil works
• Sudden, unforeseen accidental physical loss or damage
• Cover beyond standard fire policy scope
• Third-party liability arising from works (add-on)

Project and equipment cover for contractors and industry: CAR, EAR, machinery and electronic equipment.

योजना विवरण

• Contractors All Risk (CAR) - civil construction projects
• Erection All Risk (EAR) - plant/machinery erection
• Contractors Plant & Machinery (CPM)
• Electronic Equipment Insurance (EEI)
• Marine cum Erection; third-party liability during works

वार्षिक प्रिमियम: Project-rated as a percentage of contract/project value over the construction or erection period (typically a few per-mille of project value), varying by project type, duration and risk.

Suite of engineering covers: Contractors All Risk, Erection All Risk, Contractor's Plant & Machinery and Electronic Equipment Insurance for construction and installation projects.

योजना विवरण

• Contractors All Risk (CAR) — civil works, third-party liability
• Erection All Risk (EAR) — machinery & steel structure installation
• Contractor's Plant & Machinery (CPM) — owned/hired equipment
• Electronic Equipment Insurance (EEI) — electronic equipment damage
• Third-party property damage and bodily injury cover

वार्षिक प्रिमियम: Indicative rate ~Rs 2 per 1,000 on Rs 10,00,000 sum insured for Contractors'/Erection All Risk / Machinery Breakdown. Varies by project type and period.

Project and machinery engineering covers including Contractors' All Risk, Erection All Risk, Machinery Breakdown and Boiler/Pressure Vessel.

योजना विवरण

• Contractors' All Risk (CAR) for civil construction projects
• Erection All Risk (EAR) for plant/equipment installation
• Machinery Breakdown (MBD) cover
• Boiler and Pressure Vessel explosion cover
• Covers natural calamity, fire, accidental damage during project
• Third-party liability during construction/erection

वार्षिक प्रिमियम: Rate set on a risk basis by project value, contract period, type of works/machinery and testing exposure — tariff/quotation-based, not published. CAR/EAR premiums run for the construction/erection period; annual policies are 12-month.

Suite of engineering covers: project policies — Contractors All Risk (CAR) and Erection All Risk (EAR); and annual policies — Machinery Breakdown, Machinery Loss of Profit, Electronic Equipment, Contractors Plant & Machinery, and Boiler & Pressure Plant insurance.

योजना विवरण

• Contractors All Risk (CAR) for civil construction works
• Erection All Risk (EAR) for plant erection and testing
• Machinery Breakdown and Machinery Loss of Profit
• Electronic Equipment Insurance
• Contractors Plant & Machinery Insurance
• Boiler & Pressure Plant Insurance
• Third-party liability and Delay in Start-Up (DSU)

Protects construction and erection projects, plant, machinery and electronic equipment from feasibility/construction through commissioning and operation. Includes Contractor's All Risk (CAR), Erection All Risk (EAR), Plant & Machinery and Electronic Equipment insurance.

योजना विवरण

• Contractor's All Risk (CAR) - civil construction works
• Erection All Risk (EAR) - plant/machinery erection
• Machinery breakdown insurance
• Electronic Equipment insurance
• Damage from accident, fire, flood, earthquake during construction
• Third-party liability arising from project works

वार्षिक प्रिमियम: Premium a rate on the contract value, varying by project type, duration and risk; quoted per project. Separate excess for normal losses and for collapse/Acts of God.

All-risk cover for civil engineering/construction projects — works, materials and third-party liability — sum insured on full completed contract value.

योजना विवरण

• Construction works and materials at full contract value (incl. wages, freight, duties, taxes)
• Fire, lightning, explosion, accidental damage during construction
• Water/flood damage, earthquake, collapse, burglary
• Third-party liability — personal injury and property damage
• Debris removal and surrounding property damage

Covers sudden and unforeseen physical damage to operational machinery and plant requiring repair or replacement.

योजना विवरण

• Sudden unforeseen breakdown of machinery
• Electrical and mechanical failure
• Defects in casting/material in operation
• Damage from short circuit, abnormal stress
• Repair or replacement cost

वार्षिक प्रिमियम: Single premium for the erection period per Nepal engineering tariff, based on total erected value and project risk.

Engineering policy covering the erection/installation of plant, machinery and steel structures against physical loss or damage during erection and testing, plus third-party liability.

योजना विवरण

• Damage during erection, installation and testing
• Fire, explosion and short-circuit
• Natural perils (flood, storm, earthquake)
• Theft and burglary at site
• Third-party liability
• Testing and commissioning cover

वार्षिक प्रिमियम: Rate per Rs 1,000 of equipment value by equipment class; annual policy.

All-risk cover for electronic and IT/medical/telecom equipment against sudden physical loss or damage.

योजना विवरण

• Accidental physical damage to electronic equipment
• Fire, short circuit, electrical damage
• Theft and burglary
• External data media and increased cost of working options
• Worldwide repair/replacement basis

वार्षिक प्रिमियम: Annual rate per Nepal engineering tariff as a percentage of machinery/boiler sum insured, varying with machine type and age.

Engineering covers for sudden and unforeseen electrical/mechanical breakdown of operating machinery, and for boiler/pressure-vessel explosion and implosion damage.

योजना विवरण

• Sudden, unforeseen electrical and mechanical breakdown
• Boiler and pressure vessel explosion/implosion
• Damage to surrounding property from explosion
• Short circuit, defective lubrication, abnormal stress
• Repair or replacement on indemnity basis
• Optional loss-of-profit (engineering BI) extension

वार्षिक प्रिमियम: Rate on plant/equipment value per NIA engineering tariff; annual or project basis.

Covers construction plant, machinery and equipment (excavators, cranes, etc.) against damage while at site, in use or at rest.

योजना विवरण

• Damage to plant at work, at rest or during maintenance
• Fire and natural perils
• Accidental/external damage
• Overturning and collision
• Theft cover

वार्षिक प्रिमियम: Premium per Nepal engineering tariff based on contract value, project type and period; typically a fraction of a percent of the total contract value for the whole project term.

Engineering policy (code CAR, first issued 1996) giving all-risks cover for civil construction projects against physical loss/damage during the construction period plus third-party liability.

योजना विवरण

• Physical damage to civil works during construction
• Natural perils: flood, storm, earthquake, landslide
• Fire, explosion and theft on site
• Third-party liability (bodily injury / property)
• Construction plant, materials and temporary works
• Maintenance/defects liability period extension

वार्षिक प्रिमियम: Rate applied to total contract/project value per NIA engineering tariff, varying with project type, duration and risk; quoted per project. Policy term matches the construction period.

Project insurance for civil/construction works covering physical damage to the works plus third-party liability during the construction period.

योजना विवरण

• Material damage to construction works
• Natural perils and fire during construction
• Third-party liability on site
• Optional maintenance/defects liability period
• Plant, equipment and temporary works cover