Ear insurance cover specific installation of machinery, plants and equipment on a particular site on which the civil works may already be in existence. It provides a very wide and comprehensive insurance cover to the client in respect of any sort of contingency form the moment the material is the unloaded at the site of the project and continues during storage, physical erection commissioning, testing and maintenance (if covered). Since the duration of the cover can be as long as 36 months or even more, care must be taken while negotiating the proposal as well as assessing the moral hazard of the client.