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Electronic Equipment / Reinstatement of Data and Software

This provides cover against damage or loss for electronic equipments, such as computers, printers, fax, UPS etc.

Apnainsurance Research Bureau

23 Jan 2008

This section of the shopkeepers' insurance policy provides cover against damage or loss for electronic equipments, such as computers, printers, fax, UPS etc.

Some insurers also cover the cost of reinstating electronic data on data carrying material and software.


  • Some insurers may enforce deductibles where you pay the first amount of each claim

Typically, the policy will not cover:

  • Loss or damage caused by any faults or defects you knew about existing at the time of starting the policy
  • Loss or damage due to wear and tear, cavitations, erosion, corrosion, or any other gradual deterioration due to atmospheric conditions
  • Costs to repair functional failures (unless the failure was caused by a loss or damage to insured items)
  • Costs of maintenance of insured items
  • Loss or damage which comes under the responsibility of the manufacturer or supplier of the insured item
  • Loss of or damage to rented or hired equipment for which the owner is responsible
  • Consequential loss or liability of any kind
  • Loss or damage to bulbs, valves, tubes, ribbons, fuses, seals, belts, wires, chains, rubber tyres, exchangeable tools, engraved cylinders, objects made of glass, porcelain or ceramics sieves, or fabrics, any operating fluids, such as lubricating oil, fuel, chemicals
  • Aesthetic defects, such as scratches on painted, polished, or enameled surfaces

See also:

Money Insurance
Television, Video Equipment, Portable Computer, Mobile Phone
Electrical or Mechanical Appliances Breakdown
Business Interruption and Increased Cost of Working / Loss of Profit
Neon or Glow Signs
Plate Glass Coverage
Pedal Cycle Coverage
Baggage Coverage
Personal Accident Coverage
Fidelity Guarantee
Public Liability Risk and Workmen's Compensation Policy
Fire and Allied Perils
Burglary and Housebreaking

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