Machinery such as machine tools, printing presses, and mobile equipment like excavators and cranes represent key assets for many businesses. Especially for small and medium-sized enterprises (SMEs), machinery insurance is essential for protection against damages caused by operator errors, design flaws, or overload. For leased or financed equipment, this type of insurance is often mandatory.

The policy typically covers damage caused by technical failure, operator error, external influences (e.g. storms or frost), and design defects. Theft and vandalism can also be included as optional coverage.

Machinery insurance is particularly important for companies that rely on machinery—such as manufacturers, construction firms, and agricultural businesses. It is suitable for both small and mid-sized companies as well as larger enterprises.

Both stationary machines (e.g. production lines, printing presses) and mobile machinery (e.g. excavators, forklifts, and agricultural machinery) can be insured.

Yes, machines that are leased or financed are generally insurable. In fact, machinery insurance is often required
in leasing agreements to protect both the lessee and the lessor.

Excluded from coverage are damages due to normal wear and tear, intentional damage by the owner, and certain specified risks. It is recommended to review the policy terms carefully to fully understand all exclusions.