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Electronics Insurance

Server failure. Friday 5 PM. What now?

Your IT infrastructure is the nervous system of your business. Electronics Insurance protects servers, networks, and workstations against damage and failure.
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IT and Electronics — Comprehensively Protected

Servers, laptops, point-of-sale systems, telephone systems — modern businesses depend on their electronics. Electronic equipment insurance protects against damage caused by short circuits, power surges, operator error, and theft. We find the right coverage for your IT infrastructure.

Typical Loss Scenarios

Power Surge

A nearby lightning strike destroys servers and network equipment.

Water Damage

Pipe burst above the server room — total loss of IT equipment.

Theft

Break-in over the weekend — laptops and servers stolen.

Operator Error

An employee drops the laptop — display destroyed.

Benefits

All-Risk Coverage

Protection against all unforeseen damages — not just fire and burglary.

Data Recovery

Costs for restoring lost data and software.

Additional Expenses Insurance

Costs for loaner devices and provisional IT solutions.

Mobile Devices

Laptops, tablets, and smartphones insured outside the office as well.

Data Rescue

Coverage of costs for professional data recovery after hardware damage.

Off-Premises Coverage

Protection for mobile devices outside the business premises — worldwide.

Which Companies Is This For?

IT Companies

Servers, development hardware, and network infrastructure.

Office Operations

PCs, printers, telephone systems, and conference technology.

Medicine & Laboratory

Diagnostic equipment, laboratory facilities, and medical electronics.

Retail & Hospitality

Point-of-sale systems, inventory management, and surveillance technology.

What is covered?

Versichert

  • Short circuit, overvoltage, induction
  • Operating errors and negligence
  • Theft, burglary, and robbery
  • Fire, water, and moisture
  • Sabotage and vandalism
  • Design and material defects
  • Storage media and data stored on them
  • Additional costs insurance for temporary solutions

Nicht versichert

  • Normal wear and tear
  • Cosmetic defects without functional impairment
  • Intentionally caused damage
  • Damage caused by war and nuclear energy
  • Consumables (toner, ink, bulbs)
  • Damage caused by improper use

How We Insure Your IT

1

Record IT Inventory

All electronic devices, servers, and network components.

2

Risk Assessment

UPS in place? Air conditioning in the server room? Backup concept?

3

Scope of Coverage

All-risk, data recovery, additional costs, and mobile devices.

4

Policy Conclusion

Policy with current inventory list.

Frequently Asked Questions

Contents insurance only covers named perils (fire, burglary, water, storm). Electronics insurance provides all-risks coverage — including power surges, short circuits, operator errors, etc.
Costs for restoring data from backups are covered. Cloud services themselves fall under the liability of the provider.
Approx. 1–2% of the replacement value per year. For IT equipment worth €50,000, that's approx. €500–1,000/year.
Electronics insurance is an all-risks policy — it covers more risks than contents insurance, e.g. operator errors, short circuits, and power surges. However, it is limited to electronic devices.
Yes, with an off-premises extension, mobile devices can also be covered in the field, in the home office, and while travelling — an important component in times of hybrid working.

Request Consultation

Free and non-binding — we will get back to you within 24 hours.

Protect Your IT Equipment

All-risk coverage for your entire electronic infrastructure.

Request a Quote0711 · 2172 3240