Electronics insurance
This electronics insurance offers insurance protection for electronic and electrical installations and equipment such as, for example, information, communications and office technology, signalling and security systems, measurement, control and medical technology. There is also an option to insure data and software against the most varied risks.
This provides all-risks coverage; in other words, it consists of insurance protection against all unforeseen damages to the insured equipment, to the extent their cause is not expressly excluded.
In particular, insurance coverage is provided for the following:
- Operational errors, ineptitude, negligence and malice
- Errors caused by construction, materials or execution
- Short circuits, power surges and overvoltages
- Fire, lightning, explosions, collisions or the crash of an aircraft, its parts or its cargo
- Water, dampness
- Storms, frost, drifting ice, earthquakes, floods
- Theft, burglary or robbery
- Internal unrest, strikes, lock-outs (optional)
- Earthquakes (optional)
The significant exclusions are:
- Intent of the policyholder
- War or events similar to war
- Nuclear energy
- Normal and premature wear and tear or ageing caused by operation
