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Product Overview
CAR/EAR Construction
Specialised protection for construction and engineering projects at different stages. This insurance helps mitigate financial losses from covered events during project execution and assembly, as per contract.
Recommended for: Contractors, engineering firms, subcontractors and project owners who need to protect investments in works.
Next step: You send initial data via WhatsApp. The team analyses and presents conditions before any purchase.
- Project risk
- Technical analysis
- Project protection
1)What this insurance helps protect
Common examples of cover in this product. Final conditions depend on the policy you choose.
- Covers for material damage during execution.
- Possibility to extend for specific liabilities, as per plan.
- Technical risk assessment by type and project phase.
- Documentation guidance for contracting and claims.
- Support from a team experienced in engineering risks.
2)When this product usually makes sense
- Civil construction projects with significant capital.
- Works with multiple stakeholders and higher risk exposure.
- Companies needing protection during execution and assembly.
- Businesses requiring technical clarity on covers.
- Read carefully
3)Points to consider before purchasing
- Terms change according to project scope and schedule.
- Technical and safety requirements influence acceptance.
- Events outside the covered period may not be eligible.
- Limits and excesses should be reviewed by project phase.
4)What usually influences the cost
- Total value of the work or assembly contract.
- Project type, location and planned duration.
- Construction methods and company's technical history.
- Additional covers and excess level defined.
5)Documents normally requested
- Descriptive report and project schedule.
- Data of the contractor and client company.
- Location information and safety measures.
- Technical elements requested in risk analysis.
6)How the purchase process works
- Share essential technical data of the work via WhatsApp.
- Receive initial guidance and request for technical documents.
- The team prepares a proposal based on project risk.
- Contracting only occurs after document review and formal proposal acceptance.
7)How to file a claim
To speed up support, please have these details ready: type of insurance, date of occurrence, location and brief description.
- Report the event with work identification and date.
- Send technical records and evidence of the occurrence.
- Follow expert assessment and document review guidance.
- Track the claim status with the Horizonte team.
8)Quick questions about CAR/EAR Construction
Important: contract transparency
This content is informative. Covers, limits, exclusions, waiting periods, excesses and activation rules depend on the proposal, policy and underwriting analysis.
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