0711 · 2172 3240 service@die-vm.comLeinfelden-Echterdingen

Machinery Insurance

A machine stops. So does production.

Operator error, short circuit, material fatigue — a machine breakdown can last weeks. Machinery Insurance covers repair costs and production downtime.

Request a Quote 0711 · 2172 3240

Optimally Insuring Production Machinery

A machine breakdown can disrupt supply chains and cause significant consequential costs. Machinery insurance covers damage caused by operating errors, material fatigue, short circuits, and other unforeseen events. We find the right coverage for your machinery fleet.

Typical Causes of Loss

Operating Error

Incorrect settings or improper operation by employees.

Material Defect

Hidden material or manufacturing defects that lead to failure.

Short Circuit

Electrical surge or short circuit damages the control system.

Foreign Objects

Foreign objects enter the machine and cause damage.

Benefits

Repair Costs

Full coverage of repair or replacement costs.

Internal Operational Damage

Damage without external influence — e.g. material fatigue.

Operator Errors

Damage caused by clumsiness or negligence of operators.

Machinery Breakdown BI

Loss of earnings due to machinery-related production stoppage.

Internal Operational Damage

Protection against damage caused by overheating, material defects, or wear beyond normal limits.

Fast Claims Settlement

Direct contact with claims management for minimal downtime in the event of machinery failure.

Which industries does this cover?

Production & Manufacturing

CNC machines, presses, robots, and production lines.

Print & Packaging

Printing machines, packaging systems, and cutting machines.

Food & Beverage

Refrigeration units, ovens, filling systems.

Construction

Cranes, excavators, concrete mixers, and other construction machinery.

What is covered?

Versichert

Operator error and clumsiness
Design, material, and workmanship defects
Short circuit, overvoltage, and induction
Failure of measuring, control, and safety devices
Water damage, frost, and ice pressure
Storm and other natural forces
Sabotage, vandalism, and theft
Machinery business interruption as an add-on module

Nicht versichert

Normal wear and tear
Damage caused by improper use
Intentionally caused damage
Consumables and operating supplies
Aesthetic damage without functional impairment
Damage caused by war and nuclear energy

How We Insure Your Machinery

Machine Recording

Type, year of manufacture, replacement value, and area of use for each machine.

Risk Analysis

Maintenance condition, operating personnel, and claims history.

Coverage Concept

All-risks coverage with an appropriate deductible.

Policy Conclusion

Policy with machine list and waiver of underinsurance.

Frequently Asked Questions

Contents insurance covers fire, burglary, water, and storm. Machinery insurance additionally covers internal operational damage, operator errors, and technical defects.

Mobile machinery (excavators, cranes, forklifts) can be covered through construction equipment insurance or extended machinery insurance.

Approximately 0.3–0.8% of the new value per year. For a machine with a new value of €100,000, that's approximately €300–€800/year.

The terms are often used interchangeably. Machinery breakdown insurance (Maschinenbruchversicherung) is the older technical term. Modern policies cover not only mechanical breakdown but also operator errors, short circuits, and material fatigue.

Yes, used and leased machinery can also be insured. The sum insured is based on the current value or the replacement value — we will clarify the best option for you.

Request Consultation

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

Insure Your Machinery Optimally

Protect your means of production against unexpected breakdowns.

Request a Quote 0711 · 2172 3240

Machinery Insurance

A machine stops. So does production.

Operator error, short circuit, material fatigue — a machine breakdown can last weeks. Machinery Insurance covers repair costs and production downtime.

Request a Quote 0711 · 2172 3240

Optimally Insuring Production Machinery

Typical Causes of Loss

Operating Error

Incorrect settings or improper operation by employees.

Material Defect

Hidden material or manufacturing defects that lead to failure.

Short Circuit

Electrical surge or short circuit damages the control system.

Foreign Objects

Foreign objects enter the machine and cause damage.

Benefits

Repair Costs

Full coverage of repair or replacement costs.

Internal Operational Damage

Damage without external influence — e.g. material fatigue.

Operator Errors

Damage caused by clumsiness or negligence of operators.

Machinery Breakdown BI

Loss of earnings due to machinery-related production stoppage.

Internal Operational Damage

Protection against damage caused by overheating, material defects, or wear beyond normal limits.

Fast Claims Settlement

Direct contact with claims management for minimal downtime in the event of machinery failure.

Which industries does this cover?

Production & Manufacturing

CNC machines, presses, robots, and production lines.

Print & Packaging

Printing machines, packaging systems, and cutting machines.

Food & Beverage

Refrigeration units, ovens, filling systems.

Construction

Cranes, excavators, concrete mixers, and other construction machinery.

What is covered?

Versichert

Operator error and clumsiness
Design, material, and workmanship defects
Short circuit, overvoltage, and induction
Failure of measuring, control, and safety devices
Water damage, frost, and ice pressure
Storm and other natural forces
Sabotage, vandalism, and theft
Machinery business interruption as an add-on module

Nicht versichert

Normal wear and tear
Damage caused by improper use
Intentionally caused damage
Consumables and operating supplies
Aesthetic damage without functional impairment
Damage caused by war and nuclear energy

How We Insure Your Machinery

Machine Recording

Type, year of manufacture, replacement value, and area of use for each machine.

Risk Analysis

Maintenance condition, operating personnel, and claims history.

Coverage Concept

All-risks coverage with an appropriate deductible.

Policy Conclusion

Policy with machine list and waiver of underinsurance.

Frequently Asked Questions

Contents insurance covers fire, burglary, water, and storm. Machinery insurance additionally covers internal operational damage, operator errors, and technical defects.

Mobile machinery (excavators, cranes, forklifts) can be covered through construction equipment insurance or extended machinery insurance.

Approximately 0.3–0.8% of the new value per year. For a machine with a new value of €100,000, that's approximately €300–€800/year.

Yes, used and leased machinery can also be insured. The sum insured is based on the current value or the replacement value — we will clarify the best option for you.

Request Consultation

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

Insure Your Machinery Optimally

Protect your means of production against unexpected breakdowns.

Request a Quote 0711 · 2172 3240