Neither the CAR policy nor the EAR policy alone can meet the insurance requirements of special projects in which both the civil engineering work and machinery installation work are significant components of the project. For example, a Hydro-Electric project involves (a) civil works like construction of dam, various tunnels, etc., and (b) machinery installation, testing and commissioning work in respect of water turbines, electric generator, etc. In such a situations, a combined policy (CAR & EAR) known as Contracts Work Policy is issued.