ELECTRONIC EQUIPMENT AND MACHINERY BREAKDOWN INSURANCE

• IT equipment
  In general, for the purposes of this rate IT equipment refers to items such as electronic data processing equipment, computers, printers, plotters, scanners, software programs, peripherals and electronic office material, such as fax machines, photocopiers, telephones and the like.
• Portable IT equipment
  In general, for the purposes of this rate portable IT equipment refers to electronic data processing equipment that is not part of a fixed installation, such as laptops, peripherals, software programs installed in such equipment and the like.
• Electronic equipment
  Electronic equipment refers to any machine or device that uses low-voltage electric current for its internal operation and relies on electrical components such as integrated circuits, resistors, etc. It also refers to equipment which, in addition to the previous components, uses one or more central processing units (CPUs), programs and data input and output units, and usually has a cathode ray tube, liquid crystal display or similar type of screen.

Main coverage

• Fixed machinery
  Machinery that is located permanently in a specific risk situation and cannot be moved to other situations (except in cases of change of risk address or construction machinery and/or equipment located each time it is moved at the building site where it is required). It does not include self-propelled machinery, i.e. machinery capable of moving on its own.
• Mobile or self-propelled machinery
  Machinery that may be located permanently in a specific risk situation and has the capacity to move on its own by means of an engine, or machinery allowed on public roads with the obligation to bear a registration plate for such purposes.
• Self-propelled cranes
  For the purposes of this rate, cranes that may be located permanently in a specific risk situation, has the capacity to move on its own by means of an engine and is allowed on public roads with the obligation to bear a registration plate for such purposes.
• Self-propelled farm machinery
  For the purposes of this rate, machinery used for farming activities that may be located permanently in a specific risk situation, has the capacity to move on its own by means of an engine and is allowed on public roads with the obligation to bear a registration plate for such purposes.

• Design and manufacture errors, defects in assembly, workmanship and material.
• Deterioration caused by water or other liquids.
• Fall, impact or collision of vehicles, including aircraft and their objects, as well as the obstruction or entry by foreign bodies.
• Damage or loss of the insured equipment caused by damage to air conditioning installations covered by the policy.
• Failures in regulation and safety devices.
• Vibrations, misalignments, loosening of parts, greasing defects and self-heating.
• Lack of skill, negligence and malicious acts by the insured person's personnel or third parties.
• The direct action of electrical energy as a result of a short circuit, power surge or similar effect.
• Overflow, flood, hurricane or storms.
• Fire, lightning strike, explosion or implosion, as well as damages derived from extinction or demolition operations.
• Theft and robbery, as well as the damages caused by such events.
• Any other cause not expressly excluded.
• Claims of an extraordinary nature covered by the Insurance Compensation Consortium.

• Fire, explosion and direct lightning strike.
• Robbery and theft.
• Lack of skill, negligence and malicious acts by the insured person's personnel or third parties.
• Landslide.
• Fall of rocks and avalanches.
• Subsidence and settlement of the land.
• Rain, wind, hail and snow.
• Blows of any kind.
• Fall, overturn, impact, collision and derailment.
• Expansion of coverage during self-propulsion on public roads.
• Risk during transport in a self-propelled vehicle.
• Damage to machinery during installation or assembly.
• Any other cause not expressly excluded.
• Claims of an extraordinary nature covered by the Insurance Compensation Consortium.

• Fire, explosion and direct lightning strike.
• Robbery and theft.
• Lack of skill, negligence and malicious acts by the insured person's personnel or third parties.
• Landslide.
• Fall of rocks and avalanches.
• Subsidence and settlement of the land.
• Rain, wind, hail and snow.
• Blows of any kind.
• Fall, overturn, impact, collision and derailment.
• Expansion of coverage during self-propulsion on public roads.
• Risk during transport in a self-propelled vehicle.
• Damage to machinery during installation or assembly.
• Any other cause not expressly excluded.
• Claims of an extraordinary nature covered by the Insurance Compensation Consortium.