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Electronic Equipment Insurance
Electronic Equipment:

Office Equipment:

  • Computers and Peripherals: Includes desktops, laptops, printers, scanners, fax machines, and copiers used in office work.
  • Copiers: Equipment used to copy and print documents.

Computing Equipment:

  • Servers: Devices for storing and processing data on corporate networks.
  • Workstations: Powerful computers to perform complex computing tasks.
  • Backup systems: Equipment for creating and storing data backups.

Equipment for data storage and processing:

  • Hard disks: Devices for permanent data storage.
  • Storage Systems (SAN/NAS): Specialized devices for organizing and managing large amounts of data.

Communications Equipment:

  • Telephones and fax machines: Voice and fax equipment.
  • Networking Equipment: Routers, switches and modems for organizing and maintaining network connections.

Medical Equipment:

  • Diagnostic Devices: Devices for medical research such as ultrasound machines, x-ray machines, and MRIs.
  • Therapeutic Equipment: Equipment for medical procedures, including physical therapy and resuscitation machines.

Scientific Equipment:

  • Laboratory Instruments: Equipment for scientific research and experimentation, including spectrometers, microscopes and analytical instruments.
  • Measuring Devices: Instruments for precise measurements in various fields of science and technology.

Other Equipment:

  • Audio and video equipment: Projectors, sound reinforcement systems, and other devices for processing and reproducing multimedia content.
  • Special technical equipment: Devices used in specific areas, such as process automation or security.

What can be insured against?

Fire Risks:

  • Fire: Damage from fire, including fire from any source such as electrical wiring or spontaneous combustion.
  • Explosion: Damage caused by explosions, including explosions at or near facilities.

Damage from external factors:

  • Fires from ships: Fires caused by ships or parts of ships or their cargoes.
  • Falling objects: Damage caused by falling trees, masts, various objects and substances.
  • Leaks: Damage caused by leaks of water or other liquids.

Natural Disasters:

  • Lightning: Damage from lightning strikes.
  • Storms and Wind Gusts: Damage from severe storms, wind gusts and hail.
  • Continuous snowfall: Damage due to prolonged snowfall.
  • Floods: Damage caused by flooding.

Actions of third parties:

  • Theft and robbery: Losses due to theft, robbery or vandalism.
  • Vandalism: Damage caused by willful acts of third parties.

Electrical Risks:

  • Electrical faults: Damage caused by short circuits, changes in mains voltage.

Structural defects and faults:

  • Design defects: Damage due to defects in the design, materials, or manufacture of equipment.
  • Equipment Malfunctions: Problems in the operation of equipment that are not due to misuse.

Negligence and mishandling:

  • Negligence: Damage due to careless handling or misuse of equipment by the owner or user.

What affects the cost of a policy?

  • Equipment Replacement Cost: An estimate of the cost of replacing or refurbishing equipment.
  • Year of manufacture: The date of manufacture of the equipment, which may affect its current value and degree of wear and tear.
  • Type of Use: What use is anticipated for the equipment, including its operating conditions and intensity.
  • Number of items insured: The total number of items to be insured.
  • Types of losses covered by the policy: List of risks and types of losses that are included in the coverage of the insurance policy.
  • Insurance deductible: The amount that the policyholder must cover on his/her own before the insurance coverage begins.
  • History of previous losses: Existence and frequency of previous loss events that may affect the value of the policy.