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This policy is suitable for electronic equipment like computers, printers, scanners, industrial electronic machines and servers and data storage equipment’s. It is an All Risk Policy
The Insurance Policy broadly covers material damage to electronic equipment (which can include systems software) due to sudden and unforeseen events, cost of external data media, including cost of reconstruction of data, as also increased cost of working.
Sum Insured for coverage can be based on following :
New Replacement cost of the insured property including Freight, Erection cost, Customs Duty, if any.
Cost of restoring the external data media by replacing lost or damaged data media by new material and lost information.
Sum Insured should represent the hiring charges per hour for substitute equipment for ensuring continued data processing for the period of indemnity specified, including personnel and transportation charges.
Add-On Covers
Significant Exclusions
The Insurance Policy does not cover losses/ damages due to wear & tear, war, wilful act or wilful negligence, aesthetic defects and consequential loss.
Value of “System Software” which is integral to the built-in-software only could be included under Section-I. The “Application Software” being external is not covered.
This is not an exhaustive list. For details, please read policy terms and conditions.
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