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Businesses today depend on computers, laptops and other electronic devices for their day-to-day operations. The Electronic Equipments Insurance policy protects your equipment like computers, communication systems and other electronic equipment from any risk while such equipment is at work, at rest or during maintenance operations. The policy can also cover the additional expenditure that you will have to incur by way of hiring substitute systems.

Scope of Cover

Cover operates when the insured property is at work or at rest or being dismantled for the purpose of cleaning/overhauling or during subsequent re-erection.

The Policy broadly covers:

  • Material damage to electronic equipment (which can include systems software) due to sudden and unforeseen events, under Section I
  • Cost of external data media, including cost of reconstruction of data under Section II, as also increased cost of working under Section III. While Section I is compulsory, Section II and Section III are optional.
Sum Insured
  • Section I: New Replacement cost of the insured property including Freight, Erection cost, Customs Duty, if any.
  • Section II: Cost of restoring the external data media by replacing lost or damaged data media by new material and lost information.
  • Section III: Sum Insured should represent the hiring charges per hour for a substitute equipment for ensuring continued data processing for the period of indemnity specified, including personnel and transportation charges.

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