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Protection for high-quality electronicsElectronics insurance

Electronic devices and systems are essential for the daily operation of many companies. Damage – whether caused by operator error, external influences or technical defects – can quickly lead to high costs and significant operational disruptions.

Electronics insurance provides your company with comprehensive protection against the financial consequences of such unforeseen damage. The insurance covers, among other things:

  • Damage due to external influences (e.g. moisture, overvoltage)
  • Improper handling or operator error
  • Design, material or assembly faults
  • Technical failure of protective devices

In the event of a claim, the insurance covers the costs of repair or replacement – even in the event of business interruption due to equipment failure, if desired.

Whether notebooks, measurement or control technology, IT infrastructure or large medical devices: MRH Trowe provides customised insurance cover for your company – reliably and transparently.

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Insured risks & hazards

Electronics insurance is based on all-risk cover and protects against all unforeseen damage. These include, for example:

  • Operator error, clumsiness, negligence or malicious acts
  • Damage caused by electrical energy, e.g. indirect effects of lightning
  • Design, material or manufacturing defects
  • Bursting due to centrifugal forces
  • Lack of water, lubricants or coolants
  • Damage due to implosion, underpressure or overpressure
  • Failure of measuring, regulating, control or safety equipment
  • Weather risks such as storms, snow pressure or frost
  • External mechanical influences

Optionally insurable:

  • Business interruption following damage
Insured devices

A wide range of electronic devices are covered, including:

  • Information, communication and data processing systems and devices
  • Communication technology (e.g. telephones, fax machines)
  • Electronic measurement, control and testing technology
  • Medical technology
  • Typesetting and reproduction technology (e.g. printers, scanners)
  • Audio and video technology (e.g. cameras, loudspeakers)
  • Non-removable data carriers (e.g. hard drives)
  • Data required for the operation of the devices (e.g. operating systems)
Scope of cover & extensions

Depending on the contract drafting, electronics insurance covers:

  • Repair costs – assumption of the costs of the restoration of damaged devices
  • Replacement purchase – compensation for replacement cost if appliances are irreparably damaged
  • Transport costs – assumption of the costs of transport to or from the workshop
  • Business interruption – cover for loss of production and loss of profit (if agreed)
  • Rental and loan costs or instalments from financing and leasing in the event of failure (if agreed)
  • Additional costs incurred due to damaged devices, e.g. emergency replacement
Insured Persons
  • The company
  • Employees who are responsible for the operation and maintenance of electronic devices, such as IT staff.

 

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