“All risks” means that in principle any sudden and unforeseen material damage is covered, except for what is expressly excluded in the policy conditions.
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All Risks Electronics Insurance (ARE)
Electronic equipment such as servers, computers, medical devices, measuring instruments and cash register systems is often essential for the operation of your business. Damage or malfunction can significantly disrupt your activities.
An all-risk electronics insurance is a valuable addition to your fire insurance and protects your electronic devices and installations against unexpected damage. Van Dessel Insurance Brokers analyzes your insurance needs in the field of your IT and electronics infrastructure and develops an insurance solution tailored to your company’s requirements.
What is an all risks electronics insurance (ARE)?
An all-risks electronics insurance is a policy that covers damage to electronic devices and installations, regardless of the cause, as long as it concerns a sudden and unforeseen event and is not explicitly excluded.
In contrast to a traditional fire insurance, which mainly covers external risks such as fire or storm, this insurance offers broader protection. Internal causes such as a technical defect, operating error, or short circuit can also be covered.
The insurance can include both fixed installations and mobile devices, depending on your needs.
Specific policy conditions make this insurance particularly suitable for protecting
this type of asset: depreciation is kept to a minimum and important guarantees are standardly included. It is important to clarify that this insurance is not a classic business interruption policy: loss of turnover or gross margin is generally not covered. However, additional costs that you incur to continue your activities can be insured. Van Dessel Insurance Brokers analyses your IT and electronics infrastructure and develops a solution that meets the needs of your company.
What are the benefits?
Electronic equipment is vulnerable and essential. Comprehensive coverage offers peace of mind.
Covers sudden and unforeseen damage to electronic devices.
Covers damage caused by technical defects or operating errors.
Covers damage caused by short circuit, overvoltage or dropping.
Covers repair or replacement costs of damaged equipment.
Who is this insurance for?
This insurance is suitable for companies that are highly dependent on electronic equipment, such as:
- SMEs and large companies with extensive IT infrastructure
- Medical practices and hospitals
- Architects and engineering firms
- Retail and hospitality businesses with point-of-sale systems
- Manufacturing companies with electronic controls
- IT and technology companies
The more critical your electronics are to your operations, the more important targeted protection becomes.
What is covered and what is not?
What is covered?
- Damage caused by an internal mechanical or technical failure
- Damage caused by operator error or accidental mishandling
- Damage caused by short circuits or power surges
- Damage caused by drops, impacts or other accidental events
- Repair or replacement costs of the equipment
What is not covered?
- Normal wear and tear or gradual deterioration
- Cosmetic damage that does not affect functionality
- Damage caused intentionally
- Damage covered under the manufacturer's warranty
How much does this insurance cost?
The premium is determined based on:
- The total value of the equipment to be insured
- The type of devices (servers, medical equipment, measuring instruments…)
- The location and security of your business
- The selected coverages and the deductible
- Your claims history
For equipment specific to your business activity, a detailed list is generally not required, as this insurance usually provides comprehensive coverage for your equipment. This offers you extra simplicity and flexibility. However, it is important that the total insured value matches the actual value of your electronics to prevent underinsurance.
We guide you through this analysis and ensure a solution that matches your risk and budget.
Stories from our customers
Groep Steylaerts
Patrick Steylaerts: “Wij hebben het volste vertrouwen in onze verzekeringspartner Van Dessel.”
Germo bvba
Bram Gers: "Vooral het maatwerk is de reden waarom ik met Van Dessel in zee ben gegaan."
Van Wellen Group
Tom Bolsens: "We waren verrast dat er uit zo'n kleine hoek dreiging kon komen."
Our promise to you
Personal & involved
a tailor-made partner
We start from your specific situation and take the time to thoroughly understand your risks, needs, and objectives. This way, you receive advice and guidance tailored to your business and everyday practice.
Expertise & experience
already 80 years in insurance
Thanks to our years of experience, we analyze your risks and insurance needs with a broad perspective. We provide a well-thought-out approach, clear solutions, and the right protection for your business.
Customization & innovation
beyond standard insurance
No standard formulas, but solutions tailored to your activities and challenges. From analysis and implementation to support in case of claims: we provide an approach that works in practice.
Would you like to receive a quote?
We analyze your activities, contractual obligations, and risks. You will receive a clear, tailor-made proposal for your business.
Request a free quote without obligation or contact us for personal advice.
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