Insurance for Ma­chin­ery, Elec­tron­ics and Assembly

Indeed, machines are sensitive and expensive, and breakdowns can have an impact on your company’s production targets. Zurich’s machinery insurance bears the financial consequences.

• Machinery accidental damage insurance covers loss or damage to mobile (drivable and self-driving) machines caused by external factors such as collision, overturning, wind or storm
• Machinery insurance also covers stationary machines and systems, as well as losses caused by internal factors such as user error, construction defects and short-circuits
• Additional coverage: loss of income including additional costs, data carriers, tools and molds (for stationary systems), damage caused by fire, natural hazards (disasters) and theft (for mobile machinery)
• All-in insurance for all of your mechanical equipment (EasyTec) covers losses up to CHF 1m. You can also choose to take out loss of income insurance and protect mobile machinery against damage caused by fire, natural hazards and theft

No business can run without electronic equipment and IT systems. System damage and loss of data have serious consequences. Zurich Electronics Insurance offers comprehensive protection.

• When it comes to IT systems, this insurance protects against the financial consequences of loss or damage due to external factors, such as human error, dropping, excess voltage and collision; for electronic devices, it also covers technical damage, e.g. due to construction defects
• For IT, you can insure individual devices or take out all-in insurance
• Covers the costs of cleanup work up to 10% of the sum insured
• Contingency coverage for value increases and new purchases
• Supplementary insurance modules: internal operating damage to IT systems; insurance at new replacement value for four years; extra expenses insurance to keep IT running after a loss (including after software damage); data carriers
  
  

By the way:
Zurich also offers insurance to cover movable items that are used regularly throughout Switzerland, Europe or around the world.

Machinery and equipment are subject to certain risks during assembly and startup. Assembly insurance protects you against the financial consequences if these items are damaged or destroyed.

• Insurance for machinery, production equipment, installations, transport systems or power supply during assembly and startup
• Basic insurance covers the financial consequences of loss or damage due to external factors (e.g. assembly accidents, natural hazards) and technical, internal factors (e.g. operator or calculation error, overload)
• Supplementary coverage for your own and third-party assembly equipment such as machinery, tools, scaffolding, huts; for items at risk (existing machinery and equipment) during assembly; risks such as fire, lightning, explosion; transport outside the place of assembly; storage in the place of assembly (preliminary storage)
  
  

By the way:
Commercial liability insurance does not provide coverage for objects in assembly. Assembly insurance is a valuable addition. Zurich usually insures the company carrying out the assembly work. You can also insure the client’s own services. Alternatively, the client can take out assembly insurance. This insures the client’s own services as well as services rendered by all contractors involved in the assembly.