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COMMERCIAL INSURANCE

Electronic Equipments Insurance

In this age of technological advancement, dependence on electronic data and equipments like laptops, desktops, servers, diagnostic equipments etc. has greatly increased. Any loss or damage to such equipments will have a resounding financial impact to business.


The Electronic Equipment Insurance Policy provides comprehensive coverage against unforeseen and sudden physical loss or damage to the electronic equipment and data media that occurs owing to perils other than those specifically excluded under the policy.

What’s Covered

  • Electronic Equipments insurance provides an 'all risk' cover. All perils are covered unless specifically excluded.

  • Covers sudden and unforeseen material damages to electronic equipment due to any cause like, Fire & allied perils, Riot and strike, explosion, breakdown or derangement, short circuit, voltage fluctuations, arcing, theft, burglary, human error, falling objects, entry of foreign bodies etc.

  • Increased cost of working resulting from any accidental and unforeseen physical loss or damage to the electronic equipment is also covered.

  • Costs of external data media (punch cards, paper tapes, magnetic tapes, discs etc) as also the cost of reconstruction of data on the same nature of external data media are also covered if backup system is available.

What's Not Covered

  • Wear and tear, corrosion of parts

  • Consequential losses

  • Malicious damage by workmen

  • Pre existing faults or defects

  • Loss or damage to bulbs, valves, tubes, ribbons etc

  • Aesthetic defects such as scratches on painted, polished or enameled surfaces etc.

  • Loss or damage caused by pressure wave caused by aircraft and other aerial devices traveling at sonic or supersonic speeds.

  • War and nuclear perils.


Disclaimer The above exclusions are indicative in nature, for detail exclusions please refer to the policy wordings.

Disclaimer For complete details of Policy coverage, terms, conditions and exclusions, please refer the policy wordings. Click here to view Policy Wordings.

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