General Overview

Miscellaneous Engineering

Miscellaneous Engineering Insurance provides comprehensive coverage for a variety of engineering-related risks that are not typically covered under standard insurance policies. This type of insurance is designed to protect businesses and individuals involved in engineering projects, ensuring financial security against unforeseen events and operational hazards.

Contractors’ All Risk (C.A.R.)

Contractors' All Risks (CAR) Insurance plan offers extensive coverage for property loss or damage that might occur during your construction or renovation projects. This policy is designed to protect against various risks associated with construction activities, ensuring that your project remains financially secure from start to finish.


Property Loss or Damage: The CAR Insurance plan covers physical loss or damage to the construction works, including permanent and temporary works, materials, and structures involved in the project. This ensures that any accidental damage is covered, allowing for swift repairs or replacements.

Equipment Damage: Our policy extends to cover damage to construction equipment and machinery used on-site. This includes coverage for cranes, excavators, bulldozers, and other essential construction tools, protecting your investments against unforeseen damage.

Third-Party Liability: The CAR Insurance also includes coverage for third-party injury and property damage claims that may arise from construction activities. This protects you against potential legal liabilities and associated costs if an accident occurs on or near the construction site.

Natural Disasters and Accidental Events: The policy provides protection against a wide range of risks, including natural disasters such as floods, storms, and earthquakes, as well as accidental events like fire, explosion, and vandalism. This comprehensive coverage ensures that your project is safeguarded against unpredictable incidents.

Temporary Structures: Coverage extends to temporary structures such as scaffolding, formwork, and shoring, which are crucial for the successful completion of the construction project. This ensures that all elements of the project are protected

Erection All Risk (E.A.R.)

Erection All Risks (EAR) Insurance plan offers comprehensive coverage for risks that may arise during the installation phase of engineering projects. Whether you're erecting machinery, plants, or temporary structures on-site, our policy provides complete protection against various perils, ensuring financial security and peace of mind throughout the construction process.


Physical Loss or Damage: EAR Insurance covers the cost of repairing or replacing machinery, plants, and temporary structures in the event of accidental loss or damage during installation. This includes coverage for damage caused by fire, theft, vandalism, natural disasters, and other unforeseen events.

Third-Party Liability: In addition to protecting your assets, our policy also provides coverage for third-party bodily injuries or property damage resulting from the installation operations. This ensures that you are financially protected in the event of legal claims or lawsuits arising from accidents on the construction site.

Comprehensive Protection: EAR Insurance offers broad coverage for a wide range of risks encountered during the erection phase, including damage due to faulty materials, design defects, or human error. This ensures that your project is safeguarded against potential disruptions and delays.

Temporary Structures: Temporary structures erected on-site, such as scaffolding, shoring, or formwork, are also covered under our policy. This ensures that all components of your construction project are adequately protected against loss or damage.

Customizable Options: EAR Insurance policy can be tailored to meet the specific needs of your project, allowing you to select coverage limits, deductibles, and additional endorsements based on your requirements and budget.

Machinery Breakdown (MB)

Machinery Breakdown (MB) Insurance plan is designed to provide comprehensive protection against unexpected electrical or mechanical malfunctions or failures of your machinery. This insurance ensures that your business operations can continue smoothly by covering the costs associated with repairing or replacing damaged equipment, regardless of whether the machinery was in operation at the time of the incident.


Electrical and Mechanical Failures: The MB Insurance plan covers losses and damages resulting from a wide range of electrical and mechanical failures. This includes issues such as short circuits, motor burnout, and other internal failures that can halt operations.

Operational and Non-Operational Coverage: AMANA policy provides coverage for machinery whether it is in operation, at rest, or being dismantled for cleaning or maintenance. This ensures that your equipment is protected at all times, reducing the risk of unexpected financial burdens.

Repair and Replacement Costs: The insurance plan covers the cost of repairing or replacing damaged machinery. This includes expenses for labor, parts, and related costs, ensuring that your machinery can be quickly restored to working condition.

Additional Expenses: Coverage may extend to include additional expenses such as temporary rental costs for replacement machinery, transportation of new parts, and overtime wages for repairs. This helps to minimize the impact on your business operations during the repair process.

Electronic Equipment (EE) Insurance Overview

Our Electronic Equipment (EE) Insurance plan offers comprehensive coverage for unforeseeable losses or physical damage to your electronic devices and equipment on-site. Recognizing the vulnerability of electronic gadgets, computer hardware, and specialized equipment to accidental damage, our policy ensures that these critical assets receive the proper protection they deserve.

Coverage Highlights

Accidental Damage: The EE Insurance plan covers physical damage resulting from accidents, such as drops, spills, or impacts, which can affect the functionality of your electronic equipment.

Unforeseen Loss: Provides protection against unforeseen events that lead to the loss of your electronic devices, including theft, fire, natural disasters, and other sudden incidents.

Wide Range of Equipment: Coverage extends to a broad array of electronic equipment, including but not limited to:

Electronic Gadgets: Smartphones, tablets, and other portable devices.

Computer Hardware: Desktops, laptops, servers, and networking equipment.

Medical Equipment: Diagnostic machines, monitoring devices, and other medical technology.

Communication Equipment: Telecommunication systems, radios, and related devices.

On-Site Protection: Ensures that your equipment is covered while it is on your premises, providing peace of mind that your essential devices are protected against potential on-site risks.

Talk to our insurance experts

For more information about our specialized insurance policies or to get a personalized quote, please contact us today. Let us help you find the insurance policies you didn't know you needed, ensuring comprehensive protection for every aspect of your life and business.


Comprehensive Protection

Comprehensive Protection

Financial Security

Financial Security

Operational Continuity

Operational Continuity

Peace of Mind

Peace of Mind

Amana Insurance