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Computer Insurance
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Computer Insurance

Comprehensive cover for hardware risks

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    Coverage and limits
    Why work with us?
    Contact us
    Making a claim
    Alan Scholes
    Alan Scholes
    Construction & Engineering Underwriting Manager

    We understand the risks your clients face, and we know how to help

    Our team of underwriters work closely with insurance brokers to offer robust computer insurance solutions which are tailored to suit policyholders’ specific requirements.

    Coverage and limits

    We can provide coverage for hardware, including that owned by employees used for business purposes under Bring Your Own Device (BYOD) policies. As working from anywhere is now commonplace, we automatically cover such equipment at offsite locations, in private dwellings, gardens and non-permanent buildings.
    GBP 20m
    Capacity

    Target risks

    Wide ranging appetite for UK domiciled companies of all sizes from small/micro to large/corporate, who own or lease computer equipment and/or electronic equipment including handheld portable equipment.

    • Wide trade and profile acceptance including exposures internationally
    • Electronic equipment that falls out with normal computer equipment definitions
    • Reinstalment of Data up to GBP 1,000,000
    • Increased Cost of Working up to GBP 1,000,000
    • Virus, hacking, and denial of access up to GBP 100,000

    Limited risk appetite

    • Single location equipment values in excess of GBP 5,000,000
    • Risks where most of the exposure is located outside the UK
    • Risks where the portable equipment values are in excess of the static equipment values

    Outside of risk appetite

    • Risks domiciled outside the UK
    • Portable equipment in isolation
    • Drones and survey equipment
    • Medical equipment
    • Locations in high flood exposed areas 
    • Systems not protected by firewalls and password protection
    • Systems that are not regularly backed up
    • Increased cost of working identity period excess of 24 months
    • Full cyber exposures (see cyber insurance)

    Key features

    • Cover outside of the UK for all hardware
    • BYOD extension
    • Capital additions extension 
    • Cover in shared offices, gardens and non-permanent buildings
    • Portable items covered 24/7
    • Deductible waiver
    Computer
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    Download
    Computer Insurance IPID
    PDF, 151 KB

    Why work with us?

    Expertise
    We connect you with expert-driven solutions and services for all your specialty insurance needs.
    Financial strength and stability
    Our robust financial backing, 140-year legacy, and extensive global resources give us the reach and scale to help you navigate the shifting insurance landscape.
    Dedicated partnership
    As trusted advisors, we work to understand your needs and tailor solutions to help you grow your business with confidence.

    Get in touch with us

    Insurance brokers looking for more information about our computer insurance solution for their clients can contact their local development underwriter.
    Contact us

    Making a claim

    If you are looking to make a claim, you should contact us as soon as possible. Details on how to make computer insurance claims can be found on our claims homepage.
    Claims

    The information provided in this content is intended for UK insurance brokers acting on behalf of their prospective or existing clients.

    Any description is for general information purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any product. Policyholders who have questions or wish to arrange or amend cover should contact their insurance broker. Insurance brokers can find details of how to contact us here.

    Any descriptions of coverage contained are meant to be general in nature and do not include nor are intended to include all of the actual terms, benefits, and limitations found in an insurance policy. The terms of any specific policy will instead govern that policy. Any guidance for UK insurance brokers is intended to provide general information only, and should not be used as a substitute for legal advice.