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All risks coverage for material damage to all kinds of electric and electronic devices (office and laboratory equipment, medical material...) The office equipment is usually subdivided in electronic devices (fax machines, copiers) and fixed and portable informatics material.

Who is it for?

Companies of all sizes and industries

What is covered?

  •  Theft or attempt to theft: only if there are visible signs of entry to the premises and if the police has served a summonsµ
  • Functioning of the electricity
  • The effects of forces of nature or water
  • Crashes of aircrafts, collision or collapse of buildings or invasion of an unusual object
  • Failure or poorly functioning of the air conditioning
  • The impact of smoke, soot, humidity and corrosion
  • Clumsy acts, negligence, inexperience or malevolence from staff or third parties
  • Construction defects or material defects that are not perceivable from the outside

 

Optional extensions

  • Fire, explosion or lightning, including disappearance or destruction because of fire-fighting and rescue operations
  • Untimely activation of automatic fire protection mechanisms
  • Floods

 

Main Exclusions

  • Aesthetic damage
  • Cracks and dents
  • Damage due to experiments
  • Inappropriate use of devices

This site only contains an overview of the most important coverages and exclusions. Only the general and specific  conditions (“Insurance Policy”) provide an accurate, binding, description of the covers and exclusions.

It is necessary to fully analyse the Insurance Policy, as well as all other relevant documents with contractual and pre-contractual information before any decision to buy, underwrite, adhere to, accept, sign or conclude an insurance agreement.

Important Information

Here you will find information about how to request a quote with detail of premium calculation, the general and specific conditions, and/or other relevant documents with contractual or pre-contractual information, the duration of the insurance policy, the applicable law and jurisdiction, how to file a complaint or reach the ombudsman, etc.