Electronics Insurance
Tailored Protection for Your Electronic Equipment
Tailored Protection for Your Electronic Equipment
Electronics Insurance – Your Protection Against Technical Risks
Electronics insurance provides comprehensive protection against the wide range of risks to which technical equipment is exposed on a daily basis. It is especially important for industries with high-tech requirements—such as IT and communications, medical institutions, media companies, as well as agricultural and energy sectors.
This insurance covers damages caused by technical failure, overvoltage, user error, and external events like vandalism or natural disasters. It can also include the cost of restoring or replacing damaged equipment, as well as expenses related to business interruptions and temporary solutions.
What Equipment Is Covered?
The policy typically covers a wide range of equipment, including:
- Information and communication technology, as well as data processing systems
- Electrical and electronic systems such as measuring, testing, and imaging technology
Data carriers and the system data stored on them, provided they are essential to the function of the insured equipment
Common Covered Risks
Electronics insurance offers all-risk coverage for damage caused by:
- Operator error, negligence, and sabotage
- Overvoltage, induction, and short circuit
- Fire, lightning, explosion, and water damage
- Vandalism, theft, and robbery
- Design, material, or workmanship defects
Tailored Coverage for Your Business
Electronics insurance can be flexibly adapted and tailored precisely to your company’s operational requirements. In addition to protection against physical damage, it also covers:
- Business interruptions
- Additional costs for rental equipment when temporary solutions are needed
- Optional extended coverage for devices used outside your company premises
Get expert advice now on how to best protect your technology—for more security and fewer risks of failure in your daily operations.
FAQs - Electronics Insurance
Electronics insurance is essential for companies that rely heavily on electronic devices and systems. This includes, in particular:
- IT and communications companies: Businesses that depend on fully functional technical infrastructure to deliver services
- Medical facilities: Institutions that operate high-value and sensitive equipment critical to patient care
- Media companies: Video production firms, printing businesses, and others that rely on specialized electronics
- Agricultural and energy companies: Operators of photovoltaic systems that need protection for their installations
Electronics insurance ensures that businesses can respond quickly to unexpected incidents without risking significant financial loss.
A wide range of electronic equipment and systems are covered, including:
- IT and communications systems such as servers, computers, tablets, laptops, and telephone systems
- Electrical and electronic devices including measuring, testing, and imaging technology
- Data carriers and essential system data required for the operation of the insured devices
Exclusions typically include:
- Damage caused by intentional acts
- Acts of war, nuclear incidents, or civil unrest
It is recommended to review the specific policy conditions for a complete list of exclusions.
Yes, electronics insurance is highly flexible and can be expanded with additional modules, such as:
- Off-premises coverage for devices used outside the company’s location
- Additional expense coverage in the event of a loss
- Software insurance to protect against certain data-related risks
In many cases, standard coverage for off-site devices is limited to a fixed sum. However, this can be extended by adding off-premises insurance to ensure comprehensive protection for equipment used at temporary locations or in the field.
