Computer Insurance
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Computer Insurance

Comprehensive cover for hardware risks

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    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

    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
    • 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
    • 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
    Accessible expertise
    Our team of underwriters and claims personnel are accessible directly, ready to support you and your clients' needs with our specialist expertise.
    Strength in service delivery
    The service which we deliver to brokers and policyholders alike is something which we pride ourselves on, and brokers rely on.
    A Munich Re company
    We're part of Munich Re Specialty Group Limited, which means we're supported by the financial strength and stability of Munich Re.

    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.

    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.

    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.