Technical Insurance
Tailored. Comprehensive. Secure.
Tailored. Comprehensive. Secure.
Your Protection for Technical Equipment and Machinery in the Digital Age
In the digital age, protecting technical equipment and machinery is essential. Technical insurance offers individually tailored solutions to safeguard your company against unforeseen risks. With rapid technological progress and increasing reliance on machinery in production and operations, comprehensive coverage is indispensable.
Whether it’s machinery insurance for industrial equipment, electronics insurance for valuable IT systems, erection insurance for installation and assembly work, or construction all-risk insurance for construction projects—the right policy can mean the difference between smooth business operations and significant financial losses.
As modern technology becomes more deeply integrated into everyday business, protection against technical malfunctions and human error is becoming increasingly important.
Technical insurance provides comprehensive protection for machinery, electronics, and photovoltaic systems, covering risks such as theft, vandalism, and operating errors. It also helps reduce high repair or replacement costs.
Industry Solutions for Specific Challenges
Our expertise spans a wide range of industries and target markets, including:
- New construction and renovations
- Installation and assembly projects
- Plant engineering
- Biogas facilities
Our experienced experts analyze your specific risks and develop customized insurance solutions to ensure your business continuity and minimize risk.
With Breffka & Hehnke at your side, your business stays safe, secure, and ready for the future.
As a core element of technical insurance, machinery insurance provides tailored coverage for machines and systems that form the backbone of many companies. In industrial and manufacturing settings, these assets are essential for smooth operations. However, an unexpected machinery breakdown can lead to significant financial losses and production downtimes
Electronics insurance offers businesses comprehensive protection for electronic devices and systems that are now indispensable in daily operations. A sudden malfunction or damage to critical equipment can seriously impact business continuity and incur high costs. This policy covers a wide range of risks and ensures your company can resume operations quickly.
Reliable Protection During the Installation Process
Erection insurance protects businesses during the installation and assembly of machinery and technical equipment. It covers unforeseen risks such as damage, weather events, or technical errors—helping ensure your projects are completed smoothly and without delay.
Your Protection for Solar and PV Systems
Installing a photovoltaic system is a forward-looking investment in renewable energy. It not only reduces energy costs but also contributes to climate protection. With rising electricity prices and increasing environmental awareness, more homeowners and businesses are choosing solar energy. Benefits include independence from energy providers and the ability to feed surplus electricity into the grid to generate additional income. Moreover, PV systems lower CO₂ emissions by utilizing solar power. Photovoltaic insurance
safeguards these long-term benefits—even in the event of unforeseen damage.
Security for Your Construction Projects
The construction all-risk insurance protects you as a builder, construction company, or project participant from financial losses caused by unforeseen events such as natural disasters, vandalism, or errors during the construction phase. Safeguard your project to avoid delays and costly disruptions.
FAQs on Technical Insurance
Technical insurance provides comprehensive protection for machinery, technical systems, electronic equipment, and construction projects. It covers unexpected risks that may affect equipment performance, installation processes, or building operations.
Common types of technical insurance include:
- Machinery Insurance
Covers stationary and mobile machinery against sudden and unforeseen damage during normal operation. This includes mechanical and electrical breakdowns, operating errors, or damage caused by external factors such as storms or vandalism. - Electronics Insurance
Provides all-round protection for electronic devices and systems. It covers damage from overvoltage, short circuits, user error, or other specific risks. - Photovoltaic Insurance
Protects solar energy systems against damage from weather, theft, vandalism, or operating errors. It may also cover loss of income due to system failure—ensuring long-term security and return on investment. - Erection Insurance
Covers financial losses that may occur during the assembly or installation of machinery, equipment, or other technical systems. Typical risks include human error, material defects, theft, or damage caused by natural forces. - Contract Works Insurance
Offers protection for builders, contractors, and tradespeople against unexpected damages during the construction phase. This includes losses caused by natural hazards (e.g. storms, flooding), vandalism, or on-site mistakes that can delay construction or lead to additional costs.
These insurance types offer tailor-made protection for companies and project stakeholders to help manage mechanical failures, human error, or unforeseen events—ensuring planning reliability and financial stability.
Yes. Technical insurance policies can be flexibly tailored to suit your company’s or project’s specific needs. Optional modules such as loss of income, damage detection costs, or extended liability coverage can be added depending on the risk profile.
You may benefit from technical insurance if:
- You own valuable technical equipment
If your company depends on expensive machinery or electronic systems, unexpected breakdowns can lead to severe financial losses. - You work in a technology-driven industry
Sectors such as manufacturing, construction, or IT are especially vulnerable to technical risks. - You are installing or assembling new systems
Technical problems often occur during installation. Erection insurance helps cover related risks. - You manage construction projects
Building sites are exposed to multiple technical and environmental hazards—from machinery failure to weather damage. - You rely heavily on electronic devices
If your operations depend on IT infrastructure, servers, or sensitive electronics, electronics insurance helps protect your systems against failure and damage. - You require customized solutions
Technical insurance can be adapted to your company’s specific risk exposure. - You want to ensure uninterrupted operations
Equipment failure can result in operational downtime. Insurance helps minimize associated financial losses. - You want to protect yourself from liability claims
In case of technical faults or accidents causing third-party damage, technical insurance may also include liability protection.
