Electronic Equipment
Sudden physical loss or damage to electronic equipment: servers, medical and diagnostic machines, control systems, communication gear.
Also calledElectronic Equipment Insurance · EEI
First thing, todayPreserve the unit and the surge or power event evidence. Do not let the vendor replace boards before survey.
- Tell the insurer now, not after the assessment.
- Leave the machine as it stopped and tell the manufacturer or the AMC before anything is opened up.
- Every document within the time the insurer asks for it.
When you would claim
- Surge, short circuit or power fluctuation damage
- Failure of an air-conditioned installation or an external data medium
- Accidental damage during operation, cleaning or shifting
- Increased cost of working while equipment is replaced, where covered
What insurers most often rely on
- Wear and tear or a defect the manufacturer's warranty covers
- Software, data or media claimed where only hardware is covered
- Consequential loss claimed under a material damage section
- Equipment used outside the environmental conditions specified
Every one of those is answerable, and several are decided by what was done in the first two days rather than by anything argued later.
The documents
most of it exists already10 items, and most of them exist somewhere in your own office already. Assemble them once and properly; a file sent in pieces takes three times as long to settle.
- Claim form and the equipment schedule
- Purchase invoice and installation or commissioning record
- AMC and service history
- Vendor's technical report identifying the failed component and cause
- Photographs of the unit and the installation
- Evidence of the power event where that is the cause
- Repair or replacement quotation, itemised
- Cancelled cheque and bank details in the insured's name, for the NEFT payment
- Details of any other insurance covering the same risk
- A claim bill: the amount claimed, itemised, with the working behind it
Next
Machinery Breakdown Claim: What to Do, and what it shares with this
The machinery breakdown playbook is the one to open. The rule it turns on holds here too: nothing is dismantled, by you or by the manufacturer, until the surveyor has seen it as it stopped.
Check the sum insured
This cover carries an average clause. Declare less than the value at risk and every claim pays that proportion short, a partial loss exactly as much as a total one. Three numbers will tell you where you stand.
Filed under: Property and engineering · Breakdown and machinery
Claims that sit next to this one
the same premises, or the same eventMachinery Breakdown
the same cover, for plant without a board
Cyber and Data
when what is lost is the data, not the box
Fire and Special Perils
the premises the equipment sits in
Machine down and the surveyor not been yet? Report a loss or call 92514 56334.