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.
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.
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.
This insurance is suitable for companies that are highly dependent on electronic equipment, such as:
The more critical your electronics are to your operations, the more important targeted protection becomes.
The premium is determined based on:
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.
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.
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.
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.
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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