Applying this type of insurance you may insure the following machine and equipment:
Electronic equipment: computer and telecommunication equipment, photo copying equipment.
Stringent mechanical equipment: measuring devices and equipment, photo, moviemaking and video equipment;
Medical equipment used in diagnostics and therapy;
Telecommunication systems.
Replacement value of property is considered as insured risk amount. In case if insurance incident occurs insurer (insurance company) will reimburse restoration expenses in amount to bring the damaged property to the condition reported before occurred insurance incident.
Risks insured
Risks arisen due to incorrect exploitation or usage of the insured property, inattentiveness of the personnel while using the electronic equipment;
Intentional (illegal) actions of the third parties (intentional actions mean: intentional abolition or damage of the property);
Thunderstorm, short electric circuit, voltage increase in electricity network, impact of induction and other similar factors.
Defect in property’s material (quality), as well as defects in design (structure), operations and assembling of the property.
Fire, explosion, damage caused by water during fire fighting, abolition or damage of insured property, impact of smoke.
Natural disasters: earthquake, volcano, or the impact of subsurface fire, landslip, avalanche, tornado, snowstorm, flood, hail, downpour.
Damage as the result of water leakage from the water pipe line, sewage, heating and fire protection systems, other impacts of water and humidity influence.
Theft, robbery
Fall of flying objects or their parts (pieces) on the insured property.
Insurance rates depend on the following factors:
Results of analysis of application-questionnaire filled out;
Amount of risks insured;
Franchise level;
Security-safety measures carried out at insured objects;
