Testing · existing installation · maintenance period
Erection insurance for installation works through Nationale-Nederlanden
In installation work the most expensive damage rarely occurs during assembly, but at the moment the installation is first put under pressure or under power.
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Deze pagina in het Nederlands: Montageverzekering voor installatiewerken via Nationale-Nederlanden.
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.
Work out for yourself what it would cost.
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- 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.
In brief
Erection insurance (montageverzekering) is the technical counterpart of the construction version: the focus is not on brickwork but on assembling, connecting and testing installations. Think of pipework, cooling and climate installations, conveying systems, electrical switchgear and machines that are built up on site. What such a policy covers in essence is set out on the page erection all risks insurance; this page deals with the points that make the difference in installation work. Finass compares the offerings of more than thirty insurers side by side and is tied to no single company.
The erection phase has three moments with their own risk profile. First, the transport and lifting to the installation position, where a unit can slip out of the lifting frame. Second, the assembly itself, where welding, soldering and grinding create a fire risk in premises that are often still in use. Third, the testing and commissioning: pressure testing, filling, flushing and test running. That final phase shows whether the work is sound, and it is precisely there that water damage spreads across several floors or a switchboard burns out.
For that third phase, almost every policy sets a separate arrangement. Testing and trial operation are not automatically included, or only for a limited period stated in so many words on the policy schedule. If commissioning overruns, the installation stands outside the cover while work on it continues. Make sure the period matches the programme and extend it in writing if the work overruns. Liability for damage the installation causes to third parties after handover does not belong here but on the liability insurance for installation and assembly work.
This page deals with one situation. The full overview is on Compare construction all risks (CAR) insurance.
What to look out for
Four points that determine whether a loss is paid on installation works.
The assembled object itself versus the consequential damage
If a compressor fails because of a inherent defect or a manufacturing defect, that compressor itself is excluded as standard. That is a warranty matter with your supplier. The damage the defect then causes to the surrounding pipework, the floor and the rest of the installation may well be covered. Check exactly where the policy draws that line, because that is where providers differ most.
You are working in a building that already exists
Installation work almost always takes place in the client's premises, among existing pipework, ceilings and equipment. Those existing property do not form part of the works and are only insured through a separate section. Without that section you carry the cost of the floor you flooded during commissioning yourself. Ask for the section expressly and give a realistic value for the space you are working in.
Delay costs money, but is not physical damage
If you miss the completion date because an installed unit has to be replaced, the result is contractual penalties, extra hire of replacement capacity and downtime at the client. Those items are excluded on an erection policy; they are financial loss, not damaged property. And administrative fines and penalty payments remain outside any cover.
Maintenance period and warranty work
A maintenance period often runs after handover. In the restricted form, only damage you cause yourself during warranty work is covered. In the extended form, damage that comes to light after handover and demonstrably arose during the erection phase is covered as well. Without an extended period, a leak that appears three months later falls outside the policy, while your liability as a contractor continues under Article 7:758(4) of the Dutch Civil Code.
What does your premium depend on?
- Contract value of the erection work: materials, labour and the value of the objects to be installed
- Type of installation: electrical engineering, process pipework or conveying systems
- Duration of testing and trial operation: a longer test period increases the risk
- Existing property at the location: the value of the premises and the equipment present
- Lifting and transport work: heavy units or units placed at height weigh more heavily
- Maintenance period chosen: restricted or extended, and its duration
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Basic | Extended |
|---|---|---|
| A climate unit slips out of the lifting frame and falls onto the roof | Yes | Yes |
| During welding in a shaft, the insulation jacket catches fire | Yes | Yes |
| Copper pipework already installed is stolen from the site over the weekend | Provided that | Yes |
| Another subcontractor drills through the side panel of your air handling unit | Provided that | Yes |
| Corrosion because the installation stood filled and unused for months | No | No |
| Additional costs to get a wrongly ordered unit to the site on time after all | No | No |
The extended form mainly widens cover for theft and damage caused by third parties on site; mistakes in your own purchasing and planning remain at your own expense.
Frequently asked questions
This is what people ask us most.
Is test running of the installation included in the cover?
Only if the policy schedule says so expressly, usually for a stated number of weeks. Testing is a heightened risk, because systems are put under load for the first time and faults only become visible then. If commissioning overruns, report this in advance and have the period extended. Reporting it afterwards does not work: the cover simply was not there.
Who insures the works if we are a subcontractor to the main installer?
On larger projects the main contractor or the client takes out a single policy for all parties on site. Ask for written confirmation that you are included as a co-insured party and whether the insurer waives its right of recovery. Without that waiver the insurer can still recover the loss from you, even though you are named on the project.
Does this insurance also cover fire caused by welding in the client's premises?
Fire damage to the works themselves falls under the policy. Damage to the existing building and to the client's property falls under the existing property section or under your public and employers' liability insurance. For hot work, insurers almost always set conditions: a work permit, extinguishing equipment within reach and an inspection afterwards. If these are not met, the claim is rejected or reduced.
Why Nationale-Nederlanden and not another provider?
Only the comparison will tell. This company comes into the picture if, alongside the erection risk, you also want to place liability, plant and buildings, and to limit overlap between policies. We request quotations from several insurers and assess the clauses on testing, existing property and the maintenance period word by word.
Read more
Within Car verzekering
- Car verzekeringthe main page
- Bouw montage car verzekering zzp
- Bouw en montage verzekering zzp
- Nationale nederlanden zakelijk car verzekering car constructieverzekering voor bouwwerken
- Construction and erection insurance through a.s.r. for contractors
- De goudse zakelijk car verzekering car en montageverzekering
- Construction and erection insurance through a.s.r. for private clients
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