1
Contractors' All Risks (CAR)
Covers civil engineering projects, buildings, and works against sudden, unforeseen physical damage.
Solutions > Engineering
Specialist Cover For Plant, Projects And Industrial Equipment
Engineering risks demand specialist solutions. APA's Engineering insurance is a family of specialist covers developed to handle risks beyond standard Fire & Perils insurance, including Contractors' All Risks, Erection All Risks, Plant All R
Specialist Engineering Covers
Contractors' All Risks (CAR), Erection All Risks (EAR), and Electronic Equipment options.
Flexible Modular Program
Choose the specific covers relevant to your project scale or business operation.
What is Engineering Insurance?
Engineering risks demand specialist solutions. APA's Engineering insurance is a family of specialist covers developed to handle risks beyond standard Fire & Perils insurance, including Contractors' All Risks, Erection All Risks, Plant All Risks, Contractors' Plant & Machinery, Machinery Breakdown (material damage and loss of profits) and Electronic Equipment Insurance — protecting projects, plant, machinery and equipment.
Highlights
- Contractors' All Risks (CAR) & Erection All Risks (EAR) for projects.
- Contractors' Plant & Machinery (CPM) for construction equipment.
- Machinery Breakdown covering operational machinery faults.
- Electronic Equipment Insurance for sensitive digital infrastructure.
- Underwritten by APA Insurance (Uganda) Ltd and regulated by the IRA.
What is Covered and Not Covered Under Engineering?
Toggle between the categories below to understand the comprehensive scope of our cover details.
2
Erection All Risks (EAR)
Protects plant and machinery installation, testing, and commissioning activities on site.
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Contractors' Plant & Machinery (CPM)
Provides physical damage cover for mobile construction machinery, excavators, and cranes.
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Machinery Breakdown (MBD)
Covers sudden mechanical or electrical failures, short-circuits, and operator mistakes.
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Electronic Equipment Insurance (EEI)
Protects computers, servers, telecommunication systems, and medical diagnostics equipment.
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Loss of Profits Extension
Protects against business interruption and lost revenue resulting from covered physical damage.
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Plant All Risks
Comprehensive coverage for plant infrastructure, pipelines, and static industrial facilities.
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Deterioration of Stock
Covers degradation of temperature-sensitive goods in cold storage following machine failure.
Eligibility & Documentation
Eligibility Criteria
Specifications
Eligible Parties
Contractors, project principals, and businesses owning or operating plant, machinery, and electronic equipment.
Requirements
Completed proposal for the relevant engineering cover; project/plant details, and sums insured schedules.
Premium Rating
Rated by specific engineering cover type, contract/new replacement values, and engineering risk surveys.
Key Exclusions
Faulty design, wear and tear, war, nuclear risks, consequential loss, and policy deductible.
How to Buy Engineering Cover?
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Select the relevant engineering cover matching your construction or machinery activity.
2
Submit completed proposal schedules with contract values or new replacement lists.
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Cooperate with APA underwriting engineers for scheduled technical risk inspection surveys.
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Review proposal quote details, complete premium payment, and bind your engineering risks.
Everything You Need, All in One Place
Access policy documents, claim forms, renewals, and important resources anytime.
Real Stories from Customers Who Trust Our Coverage
Learn why professionals trust our solutions to complete better customer journeys.
“Support became faster, clearer, and more consistent across every customer touchpoint. It changed how we interact with our clients.”
Nia Afolayan
Customer Expert
Chioma Nwosu
Customer Success
“The onboarding was smooth from day one, and our team saw measurable results quickly. It gave us a much faster customer journey.”
Jordan Mensah
Growth Manager
Daniel Okoro
Founder
“It helped us create a better customer journey without adding complexity for the team, keeping all departments aligned.”
Robert Hayes
Regional Partner
Frequently Asked Questions
It is a family of specialist covers for engineering risks — construction projects, plant, machinery, and electronic equipment — beyond standard Fire & Perils insurance.
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“The easiest way to manage my cover.”
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APA, Insuring Happiness
Manage Your Insurance on the Go
Experience the future of insurance management. Our mobile app provides a seamless digital curator experience for your policies, claims, and peace of mind.
APA, Insuring Happiness
What would you like to protect?
+
Health Insurance
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Motor Insurance
+
Life Insurance
“The easiest way to manage my cover.”
— Sarah K., Nairobi
