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    Electronic Equipment Insurance

     

    Subject of the insurance:

    Subject of the insurance are all types of electronic equipment and systems with production or commercial purposes, used under normal conditions and following the requirements of the manufacturer. Such electronic systems can be:

    • computers and office equipment
    • communication and radio equipment
    • medical equipment in hospitals, private doctors and dentists offices and laboratories
    • printing equipment
    • television equipment
    • industrial electronics
    • measuring equipment
    • alarms, test devices and automation equipment
    • information carriers
    • other equipment.

     

    Covered risks:

    Basic covers

    • fire, including the consequences of its extinguishing, explosion, lightning, hitting by a plane or other aircraft, or by objects, falling from them, hit by a vehicle or animal;
    • natural disasters, like storm, hurricane, hail, flooding, falling trees and branches;
    • land sliding or collapsing of earth;
    • weight caused by natural weight of snow and ice;
    • watering as a result of malfunction of plumbing, sewage and steam pipeline installations and the devices connected to them;
    • malicious actions by third parties (vandalism);
    • expenses, related to cleaning of debris, dismantling or demolition, fencing or strengthening, fees for architects and/or experts;
    • overvoltage, induction, short cut, current rush;
    • theft through breaking and robbery;
    • negligence, incorrect operation of equipment, operational errors by the fill-time staff of the Insured person;

    Additional covers:

    The Insurer covers the additional expenses, incurred as a result of the insured event of the Basic cover type, required for the continuation of the working procedures that cannot be performed in another way. They are:

    – Usage of external equipment;

    – Application of work procedures and method different from the normal ones;

    – Renting of replacement equipment;

    – External services;

    – Hiring of additional personnel.

     

     

    Exceptions: No cover is provided for direct and/or indirect damages related to:

    • wear and tear, amortization or corrosion;
    • war, acts of war, any type of civil riots;
    • intentional acts or gross negligence by the insured person or his/her employees;
    • defect or shortcomings liability for which lies with third party/supplies, based on law or contract (warranty damage)
    • stop of gas, water or electrical power supply;
    • aesthetic shortcomings;
    • financial losses or lost benefits, impairment, penalties etc. as a result of the insured event;
    • damages, caused by birds, animals, rodents;
    • nuclear explosions, ionizing radiation, radioactive pollution, biological or chemical contagion.

    Insurance sum:

    Set based on the replacement cost of the insured property, i.e. it should correspond to the costs, related to the replacement of the insured equipment, devices, apparatuses and machinery with new ones of the same type, power and purpose. The costs for re-procurement include transport, dismantling and installation costs, potential taxes and duties.

    Insurance term

    – one year.