It protects electronic devices and systems in a company against damage caused by, for example, operating errors, short circuits, fire, water or theft.

For all companies that use modern technology – for example offices, craft businesses, medical practices or IT service providers.

All devices that serve the company’s operational purpose, typically including:

• Computers and servers

• Telephone systems

• Medical technology

• Machine control systems

• Cash register or office equipment

Devices without a direct business purpose – such as the office coffee machine that keeps employees caffeinated – are not insured.

Unforeseen damage caused by:

• Operating errors

• Power surges

• Fire

• Water damage

• Vandalism

• Burglary

Yes, laptops, tablets and other mobile devices are also insured. For example, if an expensive surveying device is accidentally dropped on a construction site, the damage is covered as well.

Yes. Various consequential costs can also be insured, such as:

• Costs for new foundations

• Express shipping

• Rental equipment

• Comparable additional expenses

Contents insurance usually only covers damage caused by classic risks such as fire, tap water damage, storms or burglary. Electronics insurance also applies to operating errors or technical defects.

The sum insured should correspond to the replacement value of the insured equipment to ensure full compensation in the event of a claim.

Electronics insurance protects your electronic devices against unforeseen damage and loss. This includes, for example, operating errors, short circuits, power surges, water damage, theft, vandalism or damage caused by negligence. Whether smartphones, computers, production systems or specialized equipment – in the event of a loss, the insurance ensures that your business can continue operating quickly.