Modern machines have become indispensable in today's working world. You can increase as the productivity or facilitate various work. While the acquisition costs are known, involves a sudden failure or the loss of a machine, however, an unforeseeable financial risk.
With a machinery insurance, these risks, however, to a predictable size. She jumps in a variety of unforeseen events that occur due to human error, technical risks, or by force majeure.
unpredictable dangers
insurance include damage to machinery, to design, Material and execution errors are based or the result of the failure of measurement, control or security guard. There
replacement is also responsible for failures caused by short circuit, overvoltage and storm or frost. Even damage caused by operator error, clumsiness, negligence or bad faith are insured.
In the case of mobile machines, in some cases damage by fire, lightning, explosion, and by lack of water, oil or other lubricants are also insured.
Insurable machines
Insurable are usually stationary machines and mechanical equipment. These include, for example, power machines, such as Turbines and generators as well as various machinery such as for wood and metal processing or the printing industry.
also mobile and transportable equipment such as construction equipment, mobile cranes and forklift trucks can be insured.
This is replaced
The machines can be insured separately, for example, to protect expensive equipment. But a blanket insurance policy with a sum insured for example, all stationary machinery of a business is usually possible.
is defective machinery, machinery insurance will pay the necessary repair costs such as spare parts costs, labor costs or de-and Reassembly costs.
If the repair costs are higher than the actual value of the machine, the value will be replaced - that is the value that the machine has, with age, wear and use more.
get a comparison with commercial insurance you here.
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