Construction & Erection All Risk

Construction sites are, by nature, high-risk areas.

Developers and contractors face a myriad of risks that can financially cripple a project, or even the companies involved. Trust an experienced broker to help get the cover you need, and be there when you need us most. 

When problems arise in construction projects, they can bring negative knock-on effects and additional liabilities. Sub-contracting of various specialised works can create other contractual problems, liability claims and court proceedings. 

In this situation, comprehensive cover from a trusted broker can make all the difference.

What is Construction and Erection All Risk insurance? 

Construction and Erection All Risk insurance covers developers and contractors during construction projects. It’s called ‘all risk’ because that's what it intends to cover. Policies are worded to provide peace of mind around the enormous risks construction companies face.

A policy can apply to an individual project, or to all building projects undertaken during a specified period (usually 12 months). This type of coverage is also referred to as Contract Works, Contractors All Risks, Erection Risk or Builders Risk.

Insurance is often arranged as a combined material damage and legal liability policy.

The material damage section covers loss of or damage to:

  • The Contracted Works, i.e. the work that has been completed but not yet handed over to the Principal
  • Materials used for the project stored on-site and off-site
  • Temporary structures
  • Hired-in plant and equipment
  • Contractors’ plant and equipment
  • Transit to and from the contract site

The legal liability section protects against claims for:

  • Third-party bodily injury,
  • Third-party death, or
  • Property damage arising out of the construction project and ensuing maintenance obligations.

Building confidence in construction

Speak to a broker about getting a package to meet your needs

Let's talk...

+62 21 2939 4900

We'll put you in touch with the person best equipped to help.

Are you a:
4 + 13 =
Solve this simple math problem and enter the result. E.g. for 1+3, enter 4.
This question is for testing whether or not you are a human visitor and to prevent automated spam submissions.



Call us on +62 21 2939 4900 or drop us a quick message and we'll get back to you asap

Visit us at: Millennium Centennial Center, 33rd Floor, Jl. Jend. Sudirman Kav.25, Jakarta 12920

Insurance may be arranged by either the principal (owner), project manager or contractor. The policy will usually provide coverage for the principal, project manager, contractors and sub-contractors as one insured entity with a cross liabilities clause applying.  

Coverage is also provided during any maintenance (or defects) liability period when contractors are required to visit the site after completion of the project to comply with their maintenance obligations. 

Coverage variations/ extensions: 

Some common extensions to cover are: 

  • Damage to existing buildings or property on-site
  • Demolition and removal of debris costs
  • Expediting costs
  • Professional fees
  • Damage to neighbouring property
  • Employees’ tools and personal effects on-site
  • Legal liability for hired-in plant

Coverage variations include: 

  • Advance Loss of Profits (financial loss arising from delay of the project, e.g. loss of future profit or revenue and additional charges and expenses). 
  • Integrated Project (or Wrap-up) insurance programme, which combines construction, marine cargo, delay in start-up, operational property damage/business interruption and third-party liability insurance for both construction and operational periods. 

Meet the team

Photo of Firman Amersyah


Firman Amersyah

Senior Vice President
Photo of Firman Amersyah

Firman Amersyah

Senior Vice President

Firman joined Howden in December 2013 as Assistant Vice President in the Strategic Business Development. He is responsible to develop the business strategically across the company. Part of his responsibility is to develop initiatives towards clients.

Prior to joining Howden, Firman worked at Aon as Manager at Corporate Risks Services Division, where handle various major clients as well as Lippo group business. Part of his focus is also to develop affinity initiatives with corporate risks services. Previously, he also worked for JLT to handle corporate and industrial clients for 4 years and prior to that he was working for one of the major bank in Bandung, Panin Bank as internal auditor. He has more than 7 years experience.

Firman graduated from Bina Nusantara University, majoring in computerized accounting. He has just completed one of the professional qualifications from ANZIIF, CIP, Ahli Pialang Asuransi dan Reasuransi Indonesia (APAI) and Certified Indonesian Insurance & Reinsurance Broker (CIIB).

Photo of Ega Napitupulu


Ega Napitupulu

Senior Vice President
Photo of Ega Napitupulu

Ega Napitupulu

Senior Vice President

Since 2010, Ega was part of Business Development team of previous company prior to the acquisition of Howden. Following the restructuring Ega finds her passion to lead corporate and industry team as Assistant Vice President. Part of her responsibility is also to re-initiate marine focus.

Ega had previously working for an insurance company, Asuransi Sinar Mas for 13 years, where she led to grow major risks. She has over 15 years’ experience in the insurance industry,

She has extensive knowledge and experience in Property & Industrial Risks Insurance, Commercial General Liability, and Motor Vehicle.

Ega Graduated from Universitas Trisakti, majoring in Economics. She holds also few professional insurance qualifications, Ajun Ahli Asuransi Kerugian-Indonesia (AAAI-K), Ahli Pialang Asuransi dan Reasuransi Indonesia (APAI) and Certified Indonesian Insurance & Reinsurance Broker (CIIB).

Photo of Denni Wijaya


Denni Wijaya

Business Manager
Photo of Denni Wijaya

Denni Wijaya

Business Manager

Denni joined Howden in December 2014 as Assistant Account Executive in Corporate Industry Risks Division after completed his study at STIKOM Interstudi. Having been promoted in January 2020 as Assistant Manager, he was given a new role to lead Engineering Risks. He is responsible for expanding and client servicing in Industry Risks area and making sure to meet our client expectation.

Denni also holds professional qualification Ahli Pialang Asuransi dan Reassurance Indonesia (APAI) .

Denni also qualified at Level 5 for professional Insurance Broker certification based on Indonesian regulation.