Technological risk insurance arises from the need to protect companies that use electronic and technological equipment.

The insurance of technological risks arises from the need to protect companies that in the exercise of their business (ERECTION - CONSTRUCTION - ENERGY) make use of electronic and technological equipment and, therefore, require effective coverage for the protection, not only of their own means of production, but also of their industrial and civil works, both during construction and operations.

The policies for technological risks can be divided into three main sectors or, better, in relation to the time period in which the risks may occur:

Assets under construction

Insurance for the protection of assets under construction are:

  • EAR (Erection All Risks): policy designed to protect industrial plants and machines from the risks of breakage or damage that may occur during the assembly phases
  • CAR policy (Contractor All Risks): this coverage mainly serves to protect the building contractor from problems that may arise during construction and cause damage to the work itself.

Assets in operation

Insurance for assets in operation are:

  • Policy Accidental breakdowns to the machines
  • Electronic Policy

Goods after construction

Insurance for assets after construction are:

  • ALOP (Advance Loss of Profit): this policy, more commonly called the "supply guarantee" constitutes the completion of EAR
  • Ten-year Posthumous policy is the natural continuation of the CAR policy, in order to cover the serious structural defects resulting from the incorrect execution of works.

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