The works
- Fire, storm and water
- Theft of materials
- Inherent defect and design fault
- Vandalism on the building site
Erection insurance
On erection work the heaviest loss rarely arises during assembly, but during testing: the first run, the pressure test and the first time voltage is applied.
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Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your activities
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
Erection insurance covers the assembly, connection and testing of installations, machinery, pipework and technical structures. The sum insured does not consist of a contract sum for brick and concrete, but of the value of the objects to be erected plus the erection costs.
The difference from a construction CAR policy lies in the test phase. As soon as an installation is put under pressure, temperature or voltage, one failing component can damage the rest of the works. That damage comes from within and not from outside, and that is exactly what is often only covered to a limited extent on an ordinary construction policy.
The route to the location also counts: transport, lifting and storage of components with long lead times are rarely a marginal issue here.
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What does erection insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Liability
Damage to property and persons of third parties on and around the works.
- Adjoining premises
- Injury to bystanders
- Cables and pipes
Extensions
What comes into play alongside the works themselves.
- Client's existing property
- Ancillary plant and site huts
- Maintenance period
What is covered
| Situation | Works section | Liability section |
|---|---|---|
| Storm or water damage to the works in progress | Yes | No |
| Theft of materials from the building site | Sometimes | No |
| Damage to an adjoining building | No | Yes |
| Injury to a bystander | No | Yes |
| The client's existing property | Sometimes | Sometimes |
| Repair of your own defective work | No | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
What does your premium depend on?
- Value of the objects to be erected. The component value plus erection costs forms the basis, not a building contract sum.
- Type of installation. Pressure, high temperature, voltage and moving parts determine what can go wrong during testing.
- Extent and duration of the test phase. The longer and more intensive the testing, the greater the share of the heaviest phase.
- New, used or prototype. A first-of-type or a reconditioned machine is assessed differently from series-built equipment.
- Transport and storage insured. Delivery of components and storage at the location are separate extensions with a weight of their own.
- Erection in an operating business. Working among production that continues increases the risk of damage to existing installations.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Testing and commissioning are a separate period
When you receive the quotation, ask which test period is meant, whether repeat tests after a modification remain covered, and whether a different limit or a higher excess applies during testing. For used or reconditioned components, test cover is sometimes excluded. If the installation stands idle because a test goes wrong, the physical damage is a matter for this policy; your client's lost production is not.
Damage to the installation as against damage by the installation
While you are erecting, it is damage to your own work. If you damage the operating business around it, that is existing property or liability towards third parties. Once the installation has been handed over and then causes damage, that shifts to product liability under Article 6:185 of the Dutch Civil Code and your public and employers' liability insurance. The erection policy stops at handover. That boundary is hard.
Transport, lifting and storage are part of the risk
A pump, transformer or air handling unit with a lead time of months is damaged on the way or during lifting. Erection cover does not automatically include that: transport you arrange with goods in transit insurance, your crane or telehandler with plant and machinery insurance. Have the load on the hook and the storage at the location expressly declared. Delay losses and contractual penalties caused by the new lead time remain outside the cover in any event.
What an erection policy does not pay for
If the installation runs but does not reach the agreed efficiency or capacity, there is no physical damage and therefore no cover. That is a warranty matter with your supplier. Also excluded are wear and corrosion, penalties and consequential loss from delay, and re-erecting your own defective work. If you weld or cut, comply with the hot work clause.
Existing property is the most commonly missed section
If you work in or on an existing building, that building is not your works but the property of the client. Damage to it does not fall under section 1 and, on your AVB, falls under the care, custody and control exclusion. The section existing property fills that gap, and with conversions, renovations and installation work that is not an edge case but the core of the risk.
The maintenance period continues after handover
After handover there is often a maintenance period during which you remain liable for defects that arose during construction. Agree that period explicitly and have it stated on the policy. Under the Wet kwaliteitsborging (the Dutch Building Quality Assurance Act) this carries more weight: Article 7:758(4) of the Dutch Civil Code places the burden of proof for hidden defects on the contractor.
Frequently asked questions
This is what people ask us most.
What is the difference from ordinary CAR insurance?
A construction CAR policy is built around building work and the risks of an open site. Erection insurance is built around installations and machinery, and expressly covers the phase of assembly, connection and testing. The sum insured is the value of the objects plus erection costs instead of a contract sum for building work.
Is test running insured as standard?
Not always, and certainly not always without limit. Ask about the length of the test period, whether repeat tests after a modification are included and whether a different excess applies during testing. For used or reconditioned parts, insurers sometimes exclude test cover. Have this recorded on the policy schedule or in a clause.
Is transport of the components covered?
Only if it has been insured. Erection cover in principle starts at the location. Transport to the site you insure with goods in transit cover, and storage on or beside the works has to be declared as an extension. For parts with long lead times that weighs heavily, because replacement affects the whole programme.
What if the installation runs but does not reach the agreed capacity?
Then there is no cover. Erection insurance pays for physical damage, not for disappointing performance. If the efficiency falls short without anything being broken, that is a matter of warranty and contract with your supplier or client. The penalty or the delay loss flowing from it also falls outside this policy.
Every situation is different. For these situations we have a separate page.
- Compare construction all risks (CAR) insuranceThe main page
- Construction all risks (CAR) insurance for installation companiesErection, existing installation, commissioning
- Construction all risks (CAR) insurance for steel constructionLifting, erection at height, transport
- Construction all risks (CAR) insurance for commercial constructionLarge projects, long duration, installations
- Construction all risks (CAR) insurance for carpentry firmsStructure, bespoke work, storage on site
- Short-term construction all risks (CAR) insurancePer project, term set in advance, maintenance period
- Construction all risks (CAR) insurance for conservatories and extensionsConnection to the existing building, glass, foundations
- Construction all risks (CAR) insurance for the construction sectorAll construction risks, sections 1 and 2, maintenance period
Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.