{
  "id": "cov-car-ear",
  "type": "coverage",
  "languages": {
    "en": {
      "id": "cov-car-ear",
      "lang": "en",
      "type": "coverage",
      "title": "Construction & Erection All Risks (CAR/EAR)",
      "shortDefinition": "Construction all risks (CAR) and erection all risks (EAR) insurance covers unforeseen damage to construction works, plant and site facilities during the project and erection phase.",
      "synonyms": [
        "Contractors All Risks",
        "Erection All Risks"
      ],
      "linesOfBusiness": [
        "Construction",
        "Engineering"
      ],
      "jurisdictions": [
        "CH",
        "EU",
        "Global"
      ],
      "tags": [
        "Construction projects",
        "Engineering Insurance"
      ],
      "relations": {
        "relatedTerms": [
          "cov-property-all-risks",
          "clause-waiver-of-subrogation",
          "riskg-hot-work",
          "riskg-construction-site-fire-safety",
          "riskg-contractor-management",
          "riskg-fire-protection-concept",
          "riskg-timber-construction-fire",
          "clause-car-ear-extended-maintenance",
          "clause-car-ear-offsite-storage",
          "clause-car-ear-overtime-express-freight",
          "clause-cross-liability",
          "clause-defects-exclusion-leg-de",
          "clause-maintenance-visits",
          "clause-testing-and-commissioning",
          "clause-transit-duration-clause"
        ],
        "partOf": [],
        "appliesTo": [],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": [
          "cov-maschinenversicherung",
          "cov-business-interruption"
        ]
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": {
        "trigger": "all-risks",
        "insuredInterest": "The construction or erection works under contract, temporary site facilities, and often the principal's existing surrounding property, for the duration of the project.",
        "insuredEvents": [
          "Storm, flood, and other natural hazards during construction",
          "Fire and explosion on the construction site",
          "Faulty workmanship and defective materials (depending on wording)",
          "Theft and vandalism at the site",
          "Collapse during erection or testing"
        ],
        "keyExclusions": [
          "War and nuclear energy",
          "Design errors excluded under the applicable wording",
          "Wear and tear, and gradual deterioration",
          "Consequential loss beyond delay-in-start-up extensions",
          "Penalties and liquidated damages under the construction contract"
        ],
        "ratingBasis": [
          "Total contract value / sum insured",
          "Construction period and testing/maintenance period",
          "Project complexity and site conditions",
          "Loss experience of principal and contractors"
        ],
        "typicalLimits": "Sum insured normally equals the full contract value, with separate limits for existing property, delay-in-start-up, and third-party liability extensions.",
        "typicalDeductibles": "Per-occurrence deductible, often higher for natural catastrophe perils and testing or commissioning phases.",
        "mandatory": [],
        "targetSegments": [
          "Industry",
          "Infrastructure and construction principals",
          "Contractors and consortiums"
        ]
      },
      "clause": null,
      "legalBasis": [],
      "standards": [],
      "reviewStatus": "expert-reviewed",
      "reviewedBy": "Guido Hesse, Hesse Group Holding AG",
      "lastReviewed": "2026-09-04",
      "version": "0.3.0",
      "updated": "2026-09-03",
      "generated": {
        "by": "process:reconstructed",
        "at": "2026-09-03T00:00:00.000Z"
      },
      "verified": [
        {
          "by": "human:ghesse",
          "at": "2026-09-04T00:00:00.000Z",
          "method": null
        }
      ],
      "staleAfter": null,
      "url": "https://hgh.ch/lexikon/en/knowledge/coverage/construction-erection-all-risks/",
      "alternateUrl": "https://hgh.ch/lexikon/de/wissen/deckung/bau-montageversicherung/",
      "body": "## Scope of cover\n\nInsured are the construction or erection works, site facilities, temporary structures and often the principal's existing property. Covered is unforeseen damage – from storm and fire to workmanship defects (depending on the wording). Liability, delay in start-up (DSU/ALoP) and transit modules are commonly added.\n\n## Project-specific features\n\nThe policy runs on a project basis from start of works to acceptance, with extensions for testing and maintenance periods. Insureds are usually the principal and all contractors jointly; waivers of subrogation between the parties prevent internal disputes.\n\n## Practical note\n\nDelay in start-up cover requires a robust schedule and cash flow analysis; critical long-lead components (transformers, turbines) determine the indemnity period and sublimits.\n\n## Comparison and delineation\n\nCAR/EAR is a project-based, time-limited all-risks policy running from start of works to acceptance, whereas property all risks insures the finished asset on a continuous annual basis once operational. On handover, cover typically transitions to machinery insurance for internal mechanical and electrical breakdown perils and to the standing property programme for the completed structure. Where the schedule itself carries financial risk, a delay-in-start-up extension mirrors business interruption logic but is triggered by construction delay rather than damage to an operating asset. Waivers of subrogation between principal and contractors avoid disputes that would otherwise undermine the single joint policy."
    },
    "de": {
      "id": "cov-car-ear",
      "lang": "de",
      "type": "coverage",
      "title": "Bau- und Montageversicherung (CAR/EAR)",
      "shortDefinition": "Die Bauwesen- (CAR) und Montageversicherung (EAR) deckt unvorhergesehene Schäden an Bauleistungen, Anlagen und Baustelleneinrichtungen während der Projekt- und Montagephase.",
      "synonyms": [
        "Contractors All Risks",
        "Erection All Risks"
      ],
      "linesOfBusiness": [
        "Bau",
        "Technische Versicherung"
      ],
      "jurisdictions": [
        "CH",
        "EU",
        "Global"
      ],
      "tags": [
        "Bauprojekte",
        "Technische Versicherung"
      ],
      "relations": {
        "relatedTerms": [
          "cov-property-all-risks",
          "clause-waiver-of-subrogation",
          "riskg-hot-work",
          "riskg-construction-site-fire-safety",
          "riskg-contractor-management",
          "riskg-fire-protection-concept",
          "riskg-timber-construction-fire",
          "clause-car-ear-extended-maintenance",
          "clause-car-ear-offsite-storage",
          "clause-car-ear-overtime-express-freight",
          "clause-cross-liability",
          "clause-defects-exclusion-leg-de",
          "clause-maintenance-visits",
          "clause-testing-and-commissioning",
          "clause-transit-duration-clause"
        ],
        "partOf": [],
        "appliesTo": [],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": [
          "cov-maschinenversicherung",
          "cov-business-interruption"
        ]
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": {
        "trigger": "all-risks",
        "insuredInterest": "Das vertraglich vereinbarte Bau- oder Montageobjekt, Baustelleneinrichtungen sowie häufig das bestehende umgebende Eigentum des Bauherrn für die Dauer des Projekts.",
        "insuredEvents": [
          "Sturm, Hochwasser und weitere Elementargefahren während der Bauzeit",
          "Feuer und Explosion auf der Baustelle",
          "Ausführungsfehler und Materialfehler (je nach Bedingungswerk)",
          "Diebstahl und Vandalismus auf der Baustelle",
          "Einsturz während Montage oder Testbetrieb"
        ],
        "keyExclusions": [
          "Krieg und Kernenergie",
          "Konstruktionsfehler, soweit nach Bedingungswerk ausgeschlossen",
          "Abnutzung und allmähliche Verschlechterung",
          "Folgeschäden ausserhalb von Verzögerungsdeckungen (DSU)",
          "Vertragsstrafen und pauschalierten Schadenersatz aus dem Bauvertrag"
        ],
        "ratingBasis": [
          "Gesamtauftragswert / Versicherungssumme",
          "Bauzeit und Test- bzw. Wartungsfrist",
          "Projektkomplexität und Standortbedingungen",
          "Schadenverlauf von Bauherr und Unternehmern"
        ],
        "typicalLimits": "Die Versicherungssumme entspricht normalerweise dem vollen Auftragswert, mit separaten Limiten für bestehendes Eigentum, DSU- und Haftpflichterweiterungen.",
        "typicalDeductibles": "Ereignisbezogener Selbstbehalt, oft höher für Naturkatastrophengefahren und Test- bzw. Inbetriebnahmephasen.",
        "mandatory": [],
        "targetSegments": [
          "Industrie",
          "Infrastruktur- und Baubauherren",
          "Unternehmer und Konsortien"
        ]
      },
      "clause": null,
      "legalBasis": [],
      "standards": [],
      "reviewStatus": "expert-reviewed",
      "reviewedBy": "Guido Hesse, Hesse Group Holding AG",
      "lastReviewed": "2026-09-04",
      "version": "0.3.0",
      "updated": "2026-09-03",
      "generated": {
        "by": "process:reconstructed",
        "at": "2026-09-03T00:00:00.000Z"
      },
      "verified": [
        {
          "by": "human:ghesse",
          "at": "2026-09-04T00:00:00.000Z",
          "method": null
        }
      ],
      "staleAfter": null,
      "url": "https://hgh.ch/lexikon/de/wissen/deckung/bau-montageversicherung/",
      "alternateUrl": "https://hgh.ch/lexikon/en/knowledge/coverage/construction-erection-all-risks/",
      "body": "## Deckungsumfang\n\nVersichert sind das Bau- beziehungsweise Montageobjekt, Baustelleneinrichtungen, Hilfsbauten und häufig bestehendes Eigentum des Bauherrn. Gedeckt sind unvorhergesehene Beschädigungen – von Sturm über Brand bis zu Ausführungsfehlern (je nach Bedingungswerk). Ergänzend werden Haftpflicht-, Verzugs- (DSU/ALoP) und Transportbausteine eingeschlossen.\n\n## Projektbezogene Besonderheiten\n\nDie Police läuft projektbezogen von Baubeginn bis Abnahme, mit Erweiterungen für Testbetrieb und Wartungsfristen. Versicherungsnehmer sind meist Bauherr und sämtliche Unternehmer gemeinsam; Regressverzichte zwischen den Beteiligten verhindern interne Streitigkeiten.\n\n## Praxishinweis\n\nVerzögerungsschäden (DSU) verlangen eine belastbare Terminplan- und Cashflow-Analyse; kritische Komponenten mit langen Lieferzeiten (Trafos, Turbinen) bestimmen Haftzeit und Sublimiten.\n\n## Vergleich und Abgrenzung\n\nDie Bau- und Montageversicherung ist eine projektbezogene, zeitlich befristete Allgefahrenpolice von Baubeginn bis Abnahme, während die Sach-Allgefahrenversicherung das fertiggestellte Objekt danach fortlaufend auf Jahresbasis versichert. Bei der Übergabe wechselt der Schutz typischerweise zur Maschinenversicherung für innere mechanische und elektrische Ausfälle sowie zum laufenden Sachprogramm für das fertige Bauwerk. Trägt der Terminplan selbst ein finanzielles Risiko, spiegelt eine Verzögerungsdeckung (DSU) die Logik der Betriebsunterbrechung, wird jedoch durch Bauverzögerung statt durch Schäden an einer laufenden Anlage ausgelöst. Regressverzichte zwischen Bauherr und Unternehmern verhindern Streitigkeiten, welche die gemeinsame Police sonst untergraben würden."
    }
  }
}