Secara umum, jenis-jenis asuransi rekayasa (Engineering Insurance) dibagi menjadi 2 (dua) kelompok besar, yaitu Asuransi Engineering Proyek dan Asuransi Engineering Non Proyek.
Dua macam Pertanggungan (polis) untuk Engineering Proyek:
Asuransi Konstruksi (Contractor All Risks/CAR)
Asuransi CAR memberikan jaminan atas kerusakan atau kerugian objek yang dipertanggungkan pada saat pelaksanaan pembangunan konstruksi dan selama masa pemeliharaan. Selain itu, jaminan juga diberikan atas tanggungjawab hukum terhadap pihak ketiga selama aktifitas pembangunan konstruksi tersebut. Contoh: pembangunan jalan, jembatan, gedung dan lain-lain.
Asuransi Pemasangan (Erection All Risks Insurance/EAR)
Asuransi EAR memberikan jaminan atas kerusakan atau kerugian objek yang dipertanggungkan pada saat pemasangan konstruksi dan selama masa pemeliharaan. Selain itu, jaminan juga diberikan atas tanggungjawab hukum terhadap pihak ketiga selama aktifitas pemasangan konstruksi tersebut. Contoh pemasangan mesin pabrik, pemasangan antena dan lain-lain.
Jenis Pertanggungan untuk Engineering Non Proyek:
Asuransi Peralatan Elektronika (Electronic Equipment Insurance/E.E.I)
Asuransi E.E.I memberikan jaminan atas kerusakan atau kerugian atas peralatan elektronik akibat bahaya yang datangnya dari luar, misalnya short circuit, kebakaran dan lain-lain. Contoh asuransi peralatan studio televisi, CCTV, peralatan telekomunikasi dan lain-lain.
Asuransi Kerusakan Mesin (Machinery Breakdown Insurance/M.B)
Asuransi M.B memberikan jaminan atas kerusakan atau kerugian atas mesin-mesin yang rusak atau berhenti beroperasi yang diakibatkan oleh kerusakan mesin itu sendiri dan bukan berasal dari bahaya yang datangnya dari luar. Contoh: asuransi mesin-mesin pabrik, refrigerator dan lain-lain.
Loss of Profit following Machinery Breakdown (M.L.O.P) Insurance
Asuransi MLOP memberikan jaminan atas kehilangan keuntungan kotor (Gross Profit) yang timbul dari rusaknya mesin-mesin, refrigerator dan mesin-mesin lain yang dijamin dibawah polis asuransi Machinery Breakdown.
Boiler & Pressure Vessel Insurance
Asuransi ini menjamin kerugian akibat meledaknya boiler (ketel uap) atau pressure vessel (bejana tekan). Jaminan yang diberikan antara lain kerusakan pada objek yang dipertanggungkan, kerusakan pada harta benda milik Tertanggung, dan tanggung jawab hukum kepada pihak ketiga baik berupa cidera badan atau kerusakan property.
Deterioration of Stock (D.O.S) Insurance
Asuransi D.O.S memberikan jaminan kerugian atas pembusukan barang-barang di dalam ruangan pendingin akibat kerusakan mesin pendingin. Untuk bisa mendapatkan jaminan klaim asuransi ini, maka mesin pendingin tersebut harus diasuransikan di bawah polis Machinery Breakdown.
Civil Engineering Completed Risk (C.E.C.R) Insurance
Asuransi ini memberikan jaminan untuk pekerjaan sipil yang selesai dibangun seperti jembatan, bendungan, pelabuhan, dan bangunan sipil lainnya. Jaminan yang diberikan polis ini antara lain kerusakan akibat kebakaran, gempa bumi, banjir, tanah longsor, badai dan lain-lain.
Asuransi Peralatan Berat (Contractor's Plant and Machinery/CPM)
Asuransi CPM ini memberikan jaminan atas kerusakan atau kerugian pada alat-alat berat yang digunakan yang disebabkan oleh bahaya tabrakan, terguling, pencurian, bencana alam dan lain-lain. Contoh asuransi untuk traktor, excavator, buldozer dan lain-lain.
In general, the types of engineering insurance(Engineering Insurance) are divided into 2 (two) major groups, namely ProjectEngineering Insurance and Non-Project Engineering Insurance.
Two kinds of Coverage (policy) for EngineeringProjects:
Construction Insurance (Contractor AllRisks/CAR)
CAR insurance provides coverage for damage orloss of the insured object during the construction and maintenance period. Inaddition, guarantees are also provided for legal liability to third partiesduring the construction activities. Example: construction of roads, bridges,buildings and others.
Installation Insurance (Erection All RisksInsurance/EAR)
EAR Insurance provides coverage for damage orloss of the insured object at the time of installation, construction and duringthe maintenance period. In addition, guarantees are also given for legalliability to third parties during the construction installation activities.Examples of factory machine installation, antenna installation and others.
Type of Coverage for Non-Project Engineering:
Electronic Equipment Insurance (E.E.I)
E.E.I insurance provides coverage for damage orloss of electronic equipment due to dangers that come from outside, such asshort circuits, fires and others. Examples of insurance for television studioequipment, CCTV, telecommunications equipment and others.
Machinery Breakdown Insurance (M.B)
M.B insurance provides coverage for damage orloss of machines that are damaged or stop operating due to damage to themachine itself and not from external hazards. Example: insurance for factorymachines, refrigerators and others.
Loss of Profit following Machinery Breakdown(M.L.O.P) Insurance
MLOP Insurance provides coverage for loss ofgross profit (Gross Profit) arising from damage to machines, refrigerators andother machines which are guaranteed under the Machinery Breakdown insurancepolicy.
Boiler & Pressure Vessel Insurance
This insurance covers losses due to theexplosion of a boiler (steam boiler) or pressure vessel (pressure vessel). Theguarantees provided include damage to the insured object, damage to theInsured's property, and legal liability to third parties in the form of bodilyinjury or property damage.
Deterioration of Stock (D.O.S) Insurance
D.O.S Insurance provides coverage for loss ofspoilage of goods in the refrigerator due to damage to the cooling machine. Tobe able to get this insurance claim guarantee, the cooling machine must beinsured under the Machinery Breakdown policy.
Civil Engineering Completed Risk (C.E.C.R)Insurance
This insurance provides coverage for completedcivil works such as bridges, dams, ports, and other civil structures. Theguarantee provided by this policy includes damage due to fire, earthquake,flood, landslide, storm and others.
Heavy Equipment Insurance (Contractor's Plantand Machinery/CPM)
This CPM insurance provides coverage for damageor loss to heavy equipment used caused by the danger of collision, overturning,theft, natural disasters and others. Examples of insurance for tractors,excavators, bulldozers and others.