Electronic Equipment Insurance

 In this article we will explain to you  all you need to know about 'Electronic Equipment Insurance'. Here are some basic knowledge you need to have before embanking on Electronic Equipment coverage..

Do you have peace of mind that all your electronic equipment – including computers, licensed software, fax machines, projectors, scanners, printers, photocopiers, audio and visual equipment, medical, technical and industrial equipment, as well as other electronic business equipment – can be replaced if damaged or lost?

What is Electronic Equipment Insurance?

Electronic equipment insurance covers all sudden and unforeseen physical losses, which are not subject of exclusions, listed in insurance conditions. Subject of insurance are individual pieces of equipment or computer and data processing equipment of the Insured.

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The Electronic Equipment Insurance Policy provides comprehensive coverage against unforeseen and sudden physical loss or damage to the electronic equipment and data media that occurs owing to perils other than those specifically excluded under the policy.

The most common causes of damage

Electronic equipment insurance mainly covers material damage caused by following reasons:
  • damage caused by operation
  • damage caused by electric energy (short circuit, excess voltage or induction)
  • damage caused by human element (faulty operation, lack of skill, negligence)
  • damage caused by manufacturer (faulty design, defects in material, faults at workshop, faults in erection)

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