C.A.R. Site Policy, Post-Completion Decennial, and E.A.R. Policy
Is your company involved in private and public construction?
Are you a builder participating in public and private tenders?
You definitely need a C.A.R. policy, an E.A.R. policy, and a Post-Completion Decennial policy.
Do you know what these are?
These insurance policies are provided in accordance with Law 210/2004 and Legislative Decree 122/2005. 122/2005
Our company specializes in issuing this type of insurance policy, contact us now via 
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Contact us directly online for an immediate response, or call one of our nearest offices. Tel. +39 055 28.53.13 –Tel. +39 02 667.124.17
Email : info@italiafideiussioni.it
The C.A.R. insurance policy, which stands for Contractors All Risks, and the E.A.R., Erection All Risk, insure reimbursement for material damages arising from all risks and unforeseen events related to the construction of civil works and must be stipulated before the start of construction site works;
C.A.R. Site Policy
This insurance protects the contractor or the client for the construction of, for example, a civil engineering work.. In other words, it is a guarantee that protects construction companies from atmospheric and natural events, socio-political issues, fire, theft, and also from construction site accidents, calculation errors, and design flaws..
It also covers damages caused to third parties during the execution of the works. It is applied in civil engineering works such as tunnels, civil buildings, schools, hospitals, bridges, viaducts. In public contracts, it is mandatorily required from the winning company to comply with the coverages provided by article 30, paragraph 3 of Law 109/94 and subsequent modifications.
In private contracts, the C.A.R. policy is becoming more widespread. More and more contractors or clients are using this insurance in private contracts. It is considered an essential insurance coverage for all those companies that want to protect their interests from the many risks that can occur on a construction site.
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E.A.R. Policy
This guarantee covers all risks that can arise from the assembly of a plant or an industrial machine. . The E.A.R. assures the insured the reimbursement of the costs of repairing or replacing damaged goods during assembly and, importantly, it protects them from possible civil liabilities in case of damages to third parties during the assembly activity.
The facilities that can be insured are many, here are some examples: steel plants, chemical plants, pharmaceutical plants, power units, electrical installations, power stations, oil pipelines, gas pipelines.
Post-Completion Decennial Policy
Alongside the C.A.R. and E.A.R. policies, the post-completion decennial indemnity policy is issued with coverage effective from the date of completion of the works. The policy is not paid in full, but only a deposit is made, usually amounting to 20% of the premium; the balance will be paid upon completion of the works.
The rate applied varies, depending on the economic, financial, and asset strength of the applicant and is calculated on the guaranteed amount. The rate is calculated on the construction value of the work, net of the value of the area and charges.
These policies can only be issued by insurance companies authorized to operate in Italy.
You can also write via WhatsApp: +39 339.71.50.157 send a message we will respond during office hours, within 5 minutes
Contact us directly online for an immediate response, or call one of our nearest offices. Tel. +39 055 28.53.13 –Tel. +39 02 667.124.17
Email : info@italiafideiussioni.it
