Electronics insurance
Electronics insurance protects against the financial consequences of damage to electronic devices and systems.
Protection for your high-tech world
Electronics insurance - what is it?
Electronic devices are indispensable in the modern business world. It is therefore all the more important to insure them optimally against damage, whether short circuits, operating errors or theft, with electronics insurance you are on the safe side.
Facts & Figures
FAQ on electronics insurance
We have summarized the most frequently asked questions about electronics insurance for you in our FAQ. Our experts will also be happy to provide you with individual advice.
Electronic devices and systems are often expensive and play a crucial role in operational processes. Damage to these can lead to significant financial losses and business interruptions. Electronics insurance offers financial protection and helps to manage the economic impact of such damage.
- Office electronics: computers, laptops, printers, scanners, telephone systems and network technology
- Medical technology: diagnostic devices, therapy devices, monitoring devices and laboratory electronics
- Industrial electronics: production systems, control technology, measurement and control technology, robots and automation technology
- Retail electronics: checkout systems, barcode scanners, surveillance cameras and electronic price tags
- IT infrastructure: servers, storage systems, routers, switches and security solutions
- Consumer electronics: televisions, projectors, audio equipment and conference technology
- Special equipment: research equipment, scientific instruments and special electronic systems
Electronics insurance typically covers the following types of damage:
- Operating errors: damage caused by improper handling or incorrect operation
- Short circuit and overvoltage: damage caused by electrical faults
- Fire and lightning: damage caused by fire, lightning and explosion
- Theft and vandalism: Damage caused by burglary and willful damage
- Water damage: damage caused by water or moisture penetration
- Transport damage: damage during transportation
As a rule, the following are not covered
- Damage caused intentionally
- Damage caused by gross negligence on the part of the policyholder
- Damage caused by war, civil unrest or nuclear events
- Damage caused by normal wear and tear
- Damage caused by unauthorized or illegal activities
- Offices and service providers: Protection for computers, telephone systems, printers and other office electronics
- Industrial companies: Protection for production systems, measurement and control technology
- Medical facilities: Protection for medical technology and diagnostic equipment
- Retailers: protection for cash register systems, surveillance cameras and other electronic devices
- IT service providers: protection for servers, network technology and other IT infrastructure
- Damage caused by intentional or grossly negligent behavior
- Damage caused by war, civil unrest or nuclear events
- Damage due to normal wear and tear
- Damage caused by unauthorized or illegal activities
Yes, many electronics insurance policies also offer international cover, especially for companies that operate worldwide. However, it is important to check the exact conditions in the insurance contract.
Further insurance solutions
In addition to electronics insurance, we also offer numerous other insurance solutions that may be of interest to you.
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