Computer losses: experts in comprehensive computer insurance
The All Computer Risks insurance covers breakage, destruction or damage to computer equipment due to internal accidental causes, external causes or human error. In all sectors, computer equipment has become very important. Accidental damage to IT equipment as a result of a disaster therefore has consequences that can weaken the…
The All Computer Risks insurance covers breakage, destruction or damage to computer equipment due to internal accidental causes, external causes or human error. In all sectors, computer equipment has become very important. Accidental damage to IT equipment as a result of a disaster therefore has consequences that can weaken the business. This is why a quick, technical and clear intervention is essential.
Scope of comprehensive computer insurance
Comprehensive computer insurance covers all IT equipment, used or unused, against a wide range of accidental material damage. Breakage, fire, water damage, mishandling, deterioration, theft, natural disasters, etc… This type of computer loss can impact all of a company’s information processing equipment: desktops, laptops, accessories, technical equipment needed to make all of the aforementioned work well (inverters, etc.), information media, etc.
When this type of loss occurs, comprehensive computer insurance allows the policyholder to get compensation to replace or repair the damaged equipment. Depending on the clauses of the insurance contract taken out, policyholders may also get coverage for costs related to data recovery or business interruptions.
If the loss has major financial consequences for the company (decrease in turnover following the incident), this insurance includes damage coverage through which the policyholder can be compensated for the aforementioned losses and other incidental expenses such as employer costs.
The right response when a computer loss occurs
Stelliant Loss Adjusting’s responsiveness is key for all computer losses. As soon as the insurer contacts us to do a loss adjustment, we deploy one of our damage loss adjusters specialising in the equipment involved.
Stelliant Loss Adjusting’s loss adjusters have the training and experience to provide comprehensive services to support policyholders within the limits of the computer insurance taken out. They identify the causes of the computer loss, analyse the substance of the damage, calculate the amount of compensation and suggest repair or replacement solutions.
When doing the calculation, they take special care to assess the added value of the technology. In the IT world, loss adjusters have to consider the obsolescence of the equipment to so that the victim can be compensated for its proper value – its market value.
A solution for every complexity
Always on the lookout for technological advances, our teams of loss adjusters understand the specificities of IT infrastructures, whether recent or not: IT assets, data centres, etc. With several hundred cases handled each year, our experts have solid experience in this type of case.
In addition to their services, our NTIC experts can rely on the investigation methods of INQUEST, our subsidiary dedicated to risk prevention and management. When necessary, we call on our internal laboratory. Specialised in electronics and mechanics, this tool carries out a series of tests to precisely explain the cause of the failure.