This cover is suitable for electronic items usually to be found in an office environment or in hospitals etc, electronic items that are not to be found in heavy industrial set ups. These will include computers, medical equipments (X-rays, radiology, weighing scales etc), microscopes, PABX and other equipments.

The policy protects the insured equipment against any unforeseen and sudden physical loss of or damage.

Causes of the loss will include;

• Accidental damage
• Fire
• Theft (an extension on the policy)
• Internal damage due to short circuiting etc

In case of computers, the policy can also be extended to include costs of replacing lost or damaged external data media and costs of reproducing lost data. Any increased costs of working as a result of the loss or damage can also be recovered under the policy.

The policy will operate when the insured items are at work or at rest, or being dismantled for the purpose of cleaning, overhauling or being shifted within the premises, or in the course of the functions themselves. Usually a premises cover but can be extended to cover temporary transits away from the premise