Computer hardware, technical know-how
IT equipment is a key resource for businesses in today’s world, no matter their industry or size. Although equipment is more and more sophisticated, it is still not immune to failure, operating error or damage caused by something external. When the physical security of IT equipment is affected, it poses…
IT equipment is a key resource for businesses in today’s world, no matter their industry or size. Although equipment is more and more sophisticated, it is still not immune to failure, operating error or damage caused by something external. When the physical security of IT equipment is affected, it poses a threat to the entire company’s business. Hence the importance, for companies and their insurers alike, of getting a rapid response and customised support from skilled loss adjusters.
Threats to physical security for IT equipment
Despite being threatened by numerous external risks (fire, water damage, etc.), IT equipment is also exposed to human-induced hazards (theft, accidents due to poor handling, etc.) or design problems (defective components).
Faced with these risks, which involve both property and liability insurance, companies must be able to rely on responsive loss adjusters who are specialists in all IT and audiovisual equipment. These experts are able to evaluate the damage precisely according to the clauses subscribed to by the third party affected and the value of the equipment on the market.
IT equipment loss adjusting
When damage occurs to computer or audiovisual equipment, the Stelliant group assigns one of its loss adjusters, specialising in NICTs, to carry out a contractual study and an in-depth technical analysis of the damaged equipment or components for insurance professionals and the insured.
If necessary (water damage, fire, etc.), emergency measures are put in place to secure the damaged area once we arrive on site. Our loss adjuster then establishes the materiality of the damage and its cause, in order to make an initial assessment of the losses, taking into account the age of the equipment and its value on the current market.
A dedicated team of loss adjusters for IT equipment
With real professional experience in IT careers, Stelliant Loss Adjusting experts understand all the ins and outs of IT infrastructure and architecture. They are always watching out for new technology to stay up to date with the latest advances in this constantly changing field.
With transparency and a teaching touch, the loss adjusters deployed make a point of delivering a loss adjustment report that is clear and understandable to anyone. They are fully aware of the potential consequences if IT equipment is out of commission, which is why they always act efficiently to help the injured company to get its damaged equipment back in working order and get back to business as soon as possible within the provisions of its insurance policy.
Stelliant can also count on the agile investigation methodology offered by INQUEST, its subsidiary specialising in consulting and risk management. Our laboratories specialising in electronics and mechanics are able to do a thorough analysis of the cause of the incident affecting the physical security of the IT equipment. INQUEST consultants also support the injured company with a customised action plan to manage future risk.
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