Insurance of machinery against breakage Insurance of machinery against breakageThis type of insurance protects valuable interests of individuals against losses arising from unforeseen sudden internal damage of stationary machinery, equipment and other devices. The insurance coverage is available in relation to the fixed machines, appliances, various mechanical equipment and devices of the insured (owner, tenant, lessee), including:
Machinery can be insured under condition that it is ready for operation, in good technical state, are in the required condition and were tested appropriately. Under the insurance contract, damage or destruction (breakdown) resulting from following sudden unforeseen causes is recognized as insured accident:
The sum insured, within which the insurer shall pay reimbursement to policy holder (beneficiary) in case of insured event, shall be set in accordance with the insurance value of machinery, i.e. the cost of replacement of insured machinery with fully analogous equipment with regard to their operational and technical condition. Insurance contract is typically concluded for one year, but may stipulate another period of insurance (e.g., term of lease). Tariff rate depends on the type of property insured, risks, sum insured, operating conditions of the property, etc. |
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