A three-section policy covering your electronic assets from accidental physical damage, through data media reconstruction, to the increased costs of maintaining operations after a loss event.
Each section targets a different aspect of electronic risk. You can take Section A alone or combine all three for complete end-to-end protection of your technology investments.
Section A — Electronic Equipment
Covers sudden and accidental physical damage to your electronic hardware from an unforeseen event.
This section provides All Risks coverage for unforeseen and sudden physical loss or damage to electronic equipment — including computers and laptops. The policy indemnifies the insured for the cost of repair or, where necessary, replacement with new items of the same kind and capacity, including freight and customs duties. Gradual operating causes and wear and tear (covered under Machinery Breakdown) are excluded.
Not Covered: Mechanical or electrical breakdown, wear and tear, gradual deterioration, willful acts by the insured, and war risks.
Section B — External Data Media
Covers the cost of reconstructing lost, damaged, or destroyed data stored on external media.
Data is often more valuable than the hardware that holds it. Section B covers the reasonable cost of reconstituting data that has been lost or destroyed as a result of an insured peril, including labour costs to restore data from source documents or backup archives.
Note: Cover applies only where the data can be reconstructed from existing source documents. Unrecoverable data (with no backup or source) is excluded.
Section C — Increased Cost of Working
Covers the additional expenses needed to maintain operations after insured equipment is damaged.
When key equipment is damaged, businesses often incur significant extra costs to keep operating, renting replacement hardware, paying overtime, outsourcing work. Section C reimburses these additional costs up to the indemnity period specified in the policy.
Section A covers a broad range of electronic equipment across industries, from office technology to medical and industrial control systems.
Computers & Servers
Desktops, laptops, mainframes, servers, and associated peripherals.
Medical Equipment
Diagnostic scanners, imaging systems, patient monitoring, and lab equipment.
Communication Systems
PABX, switchboards, telecom networks, and broadcasting equipment.
Electronic Control Systems
PLCs, SCADA systems, industrial control panels, and automation equipment.
Security & Surveillance
CCTV systems, access control, alarm systems, and monitoring equipment.
Office Electronics
Printers, copiers, scanners, POS systems, and audio-visual equipment.
The following are excluded from all sections of the EEI policy. Please refer to your full policy schedule for a complete list.
Whether you run a hospital, data centre, or manufacturing plant — your electronic equipment is mission-critical. One accidental event should not bring your entire operation to a halt.