As part of your business insurance cover, your computers may have been included in your contents sum insured. If so, they may be covered against external damage from specific causes, for example fire, theft or flood. They may even be covered for accidental (external) damage, but is this enough for the safety of your business?
A specialist computer policy specifically designed for computer operations can provide not only all risks cover, but also breakdown cover without the need for a maintenance contract. Full theft cover is available, so there's no need to show that someone broke in or out of the premises to make a theft claim. Virus, hacking and denial of service attacks are also included as standard.
In a specialist Computer policy, the definition of computer equipment can be wide enough to include telecommunications, electronic access equipment, computerised telephone systems and portable computer equipment such as PDA's and SatNavs.
Typically the policy will cover:
• Installed computer hardware
• Portable computer equipment
• Data carrying materials
• Reinstatement of data
• Increased costs of working
as a result of:
• Loss or damage (including breakdown) to the computer hardware
• Loss, damage or corruption of data or software
• Failure of fluctuation of electricity supplies
• Denial of access to the computer equipment
• Failure of telecommunications worldwide.
If you would like more information, please contact us.