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Property All Risks covers loss arising from any fortuitous cause except those that are specifically excluded. This is in contrast to ‘named perils coverage’, which applies only to loss arising out of causes that are listed as covered.

Construction or sometime named Erection All Risk insurance covers developers and contractors during the construction projects. The coverage provided is very in line with All risk of physical loss or damage but the coverage is often extended to include maintenance period of 12 or 24 months after handover to cover physical damage that manifest later but is due to a activity that took place at the construction site within the policy period.

During the transportation of goods to construction site damage can occur from the transportation with ships, train or trucks or the handling of the goods from one transportation to another.

Delay in Start Up (DSU) – also referred to as Advanced Loss of Profits (ALOP) – insures project owners for the financial consequences of a delay to a project completion arising from an insured physical damage event. The intention is to give developers added protection during the construction phase of a project. It indemnifies against loss of revenue suffered following damage to the contract works that causes a delay in completion.

An CAR or EAR can also include testing and commissioning of a installed facility. This process as part of the construction goal is to confirm that the facility meets the design intent and requirements. In other words, the facility is functioning on its intent working condition and function.

This is the next phase following the construction phase and the test and commission. The coverage provided is very much the same as the construction but where the risk are different as there are less contractors on the site and risk in operational phase is often well defined. 

While regular business interruption insurance covers lost income caused by something that impacts your company operation directly on the site where Contingent Business Interruption covers income you lose as a result of an result of insurable event on one of your company's third-party suppliers.

Catastrophe insurance protects businesses against natural disasters such as earthquakes, floods, and hurricanes.