Electronic Equipment Insurance

Electronic equipment insurance can insure all types of electronic equipment, computers, and systems for manufacturing or commercial use.

Electronic equipment insurance provides more comprehensive coverage than standard property insurance, given the specific characteristics of electronic equipment.

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The insurance includes

The coverage includes material damages, losses or damages to external data carriers, the additional cost of using alternative (replacement) equipment, and the option to contract insurance coverage on an "all risks" basis.

The insurance is offered in three versions with the following coverages:

	Basic insurance package Section I – Material damages Package 1	Section II – External data carriers Package 2	Section III - Additional Expenses Package 3
Coverages
Material damages are indemnified for direct property losses or damages to the insured property resulting from a covered risk
External data carriers are indemnified for loss or damage to external data carriers if, as a result of an insurance event occurred under Section 1, they cannot be read by the reading devices of the insured equipment, and no information can be recorded and/or stored thereon
Additional expenses are indemnified for the extra cost of using alternative (replacing) equipment in the event of damages covered under Section I

Basic insurance package

Section I – Material damages

Package 1

Material damages are indemnified for direct property losses or damages to the insured property resulting from a covered risk

Section II – External data carriers

Package 2

Material damages are indemnified for direct property losses or damages to the insured property resulting from a covered risk

External data carriers are indemnified for loss or damage to external data carriers if, as a result of an insurance event occurred under Section 1, they cannot be read by the reading devices of the insured equipment, and no information can be recorded and/or stored thereon

Section III - Additional Expenses

Package 3

Material damages are indemnified for direct property losses or damages to the insured property resulting from a covered risk

Additional expenses are indemnified for the extra cost of using alternative (replacing) equipment in the event of damages covered under Section I

Coverages

All coverages, included in this insurance product:

Lack of skill, carelessness, negligence by service personnel

External, mechanically acting forces

Implosion or other damages due to vacuum

Water or moisture of any origin

Landslide or collapse of earth strata/rock mass

Freezing, hail

Flooding

Avalanche, gravity damage from the natural accumulation of snow or ice

Freezing, hail

Flooding

Avalanche, gravity damage from the natural accumulation of snow or ice

Storm

Fire and damage from water, foam, or fire fighting agents

Direct lightning strike, explosion

Destruction and/or clearing or other loss caused by fire, lightning, explosion

Burning, smoke, soot, and corrosive gases

Short circuit, overvoltage, induction, indirect lightning strike

Theft by burglary or robbery

Malicious acts of third parties

Benefits

Main benefits

Partnership with a reliable and honest insurance company, part of UNIQA Group Austria – one of the leading insurers in Europe with over 150 years of experience in the insurance business
Coverage that is more comprehensive than standard coverage under property policies