This policy provides cover for loss of, or damage to, all types of computer equipment and any additional costs required to reinstate any lost data or records. 

• 'All Risks' cover for all types of computer equipment.
• Additional expenditure incurred in the form of increased cost of working and the cost of recompiling or restoring data.
• Additional expenditure incurred following failure of electricity or telecommunications linked to the computer equipment.
• Extends to include computer equipment in transit world-wide, subject to a limit of £5,000 in respect of theft and £25,000 in respect of all other losses.

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Cover for 'All Risks' protection for materials usually referred to as "contract works" and includes owned and hired-in contractors' plant and employees' personal tools and effects. 'All Risks’ cover for contract works on site up to handover and 14 days thereafter where required by contract.

• Transit to or from the contract site (other than by sea/air).
• Up to 12 months restricted cover following handover during the maintenance or defects liability period where required by contract.
• ‘Free issue materials’ for which the insured is contractually responsible.

Contract Work Construction Policy »

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Contractors’ Plant covers the insured’s own plant and equipment on an ‘All Risks’ basis. It can also cover their legal liability under terms of their hiring agreement to pay for loss or damage caused to hired-in plant and the cost of continuing hire charges.

• Owned plant is covered throughout the UK including transit (other than by sea or air).
• Hired-in plant cover on a legal liability basis.
• Premium calculated on total market value of owned plant and the estimated annual hire charges to hired-in plant.
• Continuing hire charges following loss or damage.
• Completion of a proposal form is not required.

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This policy offers ‘All Risks’ protection for plant and machinery installation usually referred to as ‘contract works’. Cover can include owned and hired-in contractors’ plant and employees’ personal tools and effects.

• ‘All Risks’ cover for contract works on-site up to handover and 14 days thereafter where required by contract.
• Transit to or from the contract site (other than by sea/air).
• Up to 12 months restricted cover following handover during the maintenance or defects liability period where required by contract.
• ‘Free issue materials’ for which the insured is contractually responsible.

Contract Works Machinery Policy Summary »

Contract Works Machinery Policy »

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This policy provides cover for loss of or damage by deterioration or putrefaction to goods stored in any cold storage space specified.

Deterioration of Stock Policy »

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Our Hired-in Machinery policy covers the insured’s legal liability under the terms of their hiring agreement, to pay for loss or damage caused to hired machinery and also meets the cost of continuing hire charges.

• Cover on a legal liability basis.
• Premium calculated on the estimated annual hire charges.
• Continuing hire charges following loss or damage.
• The cost of repairing or replacing plant and machinery hired-in following loss or damage, where the insured is legally liable.
• Completion of a proposal form is not required.

Hired in Machinery »

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This policy provides ‘All Risks’ cover for many types of low and medium power electronic equipment.

• Television and broadcasting equipment.
• Radio, medical and office equipment.
• Measurement process equipment for engineering and research.
• Telecommunications equipment (other than computers).
• Electrical breakdown, malicious damage, subsidence or collapse, lack of skill and theft.

Electronic Equipment Policy »

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The policy provides cover for profits lost and increased working costs following damage to machinery.

• A flexible policy to cover a wide range of businesses.
• Protection against Business Interruption following breakdown by accidental damage.
• Failure of the public utilities (such as electricity, gas and water for more than 30 minutes).
• Ability to protect expanding businesses – cover extends to pay up to 133.3% of the estimated annual gross profit sum insured.  
• Complementary cover – dovetails with the cover provided under a Property.  

Machinery Loss of Profits Policy Summary »

Machinery Loss of Profits Policy »

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This policy provides cover for loss of, or damage to machinery during specified moving operations.

• Transit – includes incidental storage whilst in transit.
• Moving from the unloading point to the actual working position.
• Cover for lifting or lowering, from the attachment of slings until removal is included.
• Re-siting cover – removal from one site to another within same location.
• Premium is calculated on the new replacement value of the machinery to be moved.

Machinery Movement Policy »

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This policy covers machinery from unexpected damage caused by breakdown and accidental damage and gives the flexibility to insure all of the machinery on the premises or to restrict cover to specific items.

• Cover designed to be suitable for a wide range of different industries.
• The cost of repair or replacement – the expense involved in repairing or replacing plant installed at, or on, the insured premises, where this is the result of sudden and unforeseen damage and requires immediate action to allow normal working to continue.
• Temporary removal – cover for damage to machinery that is being temporarily removed to another UK location. Transit cover (other than by sea or air).

Machinery Sudden and Unforeseen Damage Policy »

Machinery Sudden and Unforeseen Damage Policy Summary »

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Engineering inspections are an essential aspect of ensuring the safety of your plant and machinery and help you meet the various statutory requirements for workplaces in the UK. Plant protection insurance is offered on the back of our inspection business and will cover certain types of plant for covers such as sudden and unforeseen damage including breakdown of lifting and electrical plant and explosion and collapse of pressure plant.

Other covers are available such as own surrounding property, lifted goods and storage tanks.

Inspection Contract and Plant Protection »

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The product is based on Zurich Engineering's standard Inspection and Plant Protection policy with cover enhanced to include various extensions:

• Sudden and unforeseen damage to building services (including breakdown and pressure explosion)  £500,000
• Own surrounding property damage (following pressure explosion)  £1,000,000
• Increased cost of working  £250,000
• Loss of rent  £100,000
• Storage tank contents  £25,000
• Hired-in plant (at premises and en route to and from only)  £25,000
• Lifted goods  £5,000

Real Estate Engineering Inspection and Plant Protection Policy » 

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