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Equipment insurance

Thursday, 08 December 2011 12:25

                                                     content insurance

Equipment insurance covers a business’s equipment, which is not to be confused with a business’s contents. A business which requires specialized equipment to function and whose equipment regularly leaves the premises will be required to take out an equipment insurance policy. A contents insurance policy merely covers the office equipment and computer equipment required in the normal routine of ancillary functions. Equipment insurance is specifically designed to cover high-cost equipment from loss.

 

The premiums of equipment insurance vary according to underwriting principles of each insurer, though most insurance companies will consider the value of the equipment, the likelihood of damage or loss and the areas in which the equipment is stored. Often computer equipment insurance (that is insurance for companies specializing in computing) will include data recovery or cover for the data on the equipment. 


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