Erection All Risks (EAR)安装工程险 (EAR)
Covers machinery while it is being installed and tested.保机器设备在安装和试车期间。
Built for supplying, installing and testing machinery — generator sets, switchgear, chillers, production lines. Same skeleton as CAR: Section I for physical loss or damage to the items being erected, Section II for third-party liability. The differences are in testing, installation faults and second-hand equipment.专为供应、安装、试车机器设计 —— 发电机组、开关设备、冷水机、生产线。骨架跟 CAR 一样：第一部分保安装中的设备实物损失，第二部分保第三者责任。不同在试车、安装失误和二手设备。
At a glance一眼看懂
What this policy pays for, what it doesn't, and what sits elsewhere.这张保单保什么、不保什么、什么要去别的保单找。
- Damage during installation安装期间的损坏
- Faults in erection安装失误
- Testing — up to four weeks试车 —— 最多四周
- Third-party liability第三者责任
- Building and civil works → CAR建筑、土木工程 → CAR
- Machines once in service → Machinery Breakdown投入使用后的机器 → 机械损坏险
- Faulty design or defective material设计错误、材料缺陷
- Second-hand items once testing starts二手设备一开始试车
- Delay, penalties, lost production延误、罚款、停产损失
- Surrounding property, unless added周边财物（没加就不保）
What's covered基本保障
From unloading at site, until taking over or the first test is completed — whichever is earlier.从在工地卸货开始，到移交或第一次试车完成为止，以先到者为准。
Items being erected安装中的设备
Machinery and equipment entered in the schedule.附表列明的机器设备。
Faults in erection安装失误
Damage from mistakes in the installation work itself.安装工作本身出错造成的损坏。
Testing试车
The first test operation or test loading — up to four weeks unless agreed otherwise.第一次试运转或试负载 —— 最多四周，除非另外约定。
Third-party liability第三者责任
Injury or property damage to others in connection with the erection.跟安装工作直接有关的他人受伤或财物受损。
EAR or CAR?EAR 还是 CAR？
If the work is mostly equipment, you want EAR.工程以设备为主，就选 EAR。
Testing built into the period of cover; faults in erection carved back in.保期包括试车；安装失误也保。
Commissioning longer than four weeks? Get it agreed in writing on the schedule before the policy starts. Read the full comparison.试车超过四周？投保前就要书面约定、写进附表。看完整比较。
Second-hand items: cover stops the moment testing begins. Tell your advisor at quotation which items are not new.二手设备：一开始试车就没保。报价时就要告诉顾问哪些不是新的。
Not covered不保什么
The main ones. The full list is in your policy wording.这里列主要的，完整清单看保单条款。
After a loss出事后
- Immediately马上Phone and write to the insurer. Take steps to limit the damage.打电话并书面通知保险公司，尽量控制损坏。
- Theft? Police too被偷要报警Report theft or burglary to the police.被偷、被闯入，要报警。
- Keep the damage留着现场Keep damaged parts for inspection. Minor damage can be repaired after you notify; anything bigger waits for the insurer.损坏的部分留给保险公司检查。通知后可以先修小损坏，大的要等保险公司来看。
- 14-day limit14 天期限Not notified within 14 days? Not paid.超过 14 天才通知，不赔。
Testing cover stops after four weeks unless agreed in writing — and second-hand items stop at the start of testing.试车保障超过四周就停，除非书面另外约定；二手设备一开始试车就没保。
Based on a standard Malaysian erection all risks policy wording, a 2026 product disclosure sheet and our own CAR-or-EAR comparison. Your own policy schedule and wording decide what you are covered for.依据马来西亚标准安装工程险条款、2026 年产品说明书及我们的 CAR / EAR 比较文章整理。实际保障以你的保单附表和条款为准。