01
Blanket office cover
One sum for all stationary office and communication equipment, no list, new devices included.
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Electronic equipment insurance in Germany: all risks cover for your business technology
German businesses insure computers, tills, phone systems, medical and measuring devices through a dedicated Elektronikversicherung. It covers almost any sudden damage, including accidental damage, short circuits and power surges, which a standard contents policy leaves out. Think of it as the engineering counterpart to property cover.
The question almost everyone asks first
Why do I need electronic equipment insurance if I have contents insurance?
Because German contents cover only pays for named perils: fire, burglary, water from pipes and storm. Most damage to technology comes from something else: a power surge from the grid, a short circuit, coffee spilled on a keyboard, a dropped tablet or an operating error. Electronic equipment insurance covers these on an all risks basis, usually at replacement value.
All risks shifts the burden of proof
Most German property policies list what they cover. Electronic equipment insurance works the other way round: any unforeseen physical damage is covered unless an exclusion applies, and the insurer has to prove that it does. For a business owner this makes claims simpler.
The main exclusions are wear and tear, defects known when the policy started, intent, and damage for which the manufacturer, supplier or repairer is liable under warranty. The model conditions published by the GDV (ABE 2020) set the framework, and individual insurers improve on them.
Hardware yes, data only with an add-on
The basic cover replaces or repairs the device. Restoring data, reinstalling software and buying new licences needs a separate data and software section, which usually pays only if insured physical damage to the storage medium caused the loss.
Ransomware and hacking do not damage hardware, so they fall outside this policy. Cyber insurance fills that gap. Many firms need both, and neither replaces the other.
Blanket cover or itemised list
Small offices often insure all stationary office and communication equipment under one blanket sum without a list, and new devices are automatically included up to that sum. Practices and laboratories usually list each expensive device with its replacement value.
Portable devices such as laptops, tablets and measuring kits can be covered off-site, often worldwide. Check the rules for theft from vehicles: many policies require a locked boot and limit cover at night.
What is covered
- Operating errors, clumsiness and negligence
- Power surges, induction and short circuits, also without lightning
- Water, moisture and spilled liquids
- Drops, breakage and impact
- Fire, lightning, explosion, storm and water from pipes
- Burglary, robbery, vandalism and sabotage
- Design, material and manufacturing defects after the warranty expires
- Portable equipment away from the premises, if included
- Data and software restoration, if included
What is not covered
- Wear and tear
- Damage the manufacturer, dealer or repairer is liable for
- Defects known at the start of the policy
- Data loss without physical damage, such as ransomware
- Intentional damage
- Theft from unlocked vehicles, depending on the policy
Who needs it
- Medical and dental practices with diagnostic equipment
- Offices and agencies that depend on computers and servers
- Retail and hospitality with till systems
- Businesses with measuring, testing and control technology
- Anyone whose leasing contract requires cover
Who can do without
- Businesses with a few inexpensive devices they can replace from reserves
Wheel of misfortune
Spin the wheel of bad luck
Six things that really happen. The wheel picks yours and shows who pays.
Cost:
Budget policy
Strong policy
See all six cases
- Toddler topples the office monitor, around €300 to €1,500. Budget policy: pays, Strong policy: pays. Clumsiness by anyone, including visitors, is a typical insured event under all risks cover.
- MacBook left behind on the ICE, full price of a new device. Budget policy: does not pay, Strong policy: does not pay. Leaving a device behind is loss, not theft or damage. No electronic equipment policy pays for that.
- Laptop taken from a locked boot at night, around €1,000 to €3,000. Budget policy: does not pay, Strong policy: pays in part. Office cover stops at the door. With portable devices included, many insurers pay, often with night time limits.
- Power surge kills the NAS, around €500 to €5,000. Budget policy: pays, Strong policy: pays. Surges from the grid, even without lightning, are exactly what this insurance is for.
- Restoring data after a fire, technician costs, often four figures. Budget policy: does not pay, Strong policy: pays. Basic cover replaces hardware. Data and software restoration needs its own section.
- Ransomware locks every PC, five to six figures with downtime. Budget policy: does not pay, Strong policy: does not pay. Encrypted data is not physical damage. Cyber insurance handles that.
What it costs
The premium is a rate on the sum insured, which is the replacement value of the equipment. Portable devices cost considerably more to insure than stationary ones. A higher deductible lowers the premium.
What drives the premium
- Replacement value of the equipment
- Type of technology: office IT, medical, measuring and control
- Share of portable devices and off-site cover
- Deductible
- Data, software and extra costs sections
- Environment, such as dust, heat or humidity
There are no reliable published price comparisons for business electronics cover in Germany. Your premium is known once we have a quote.
The policy levels on the market
02
Extended blanket cover
Adds portable devices worldwide, data and software, extra costs and a lower deductible.
03
Itemised cover
Each device listed at replacement value, plus electronics business interruption and extra costs. For practices and labs.
How to recognise a good policy
| Criterion | Minimum standard | Strong policy | Why it matters |
|---|---|---|---|
| Replacement value | current value after a few years | replacement value for the whole service life | Electronics lose value quickly, but a replacement costs the full price. |
| Portable devices | on premises only | worldwide, including locked vehicles | Laptops and tablets usually break or disappear on the move. |
| Data and software | not included | restoration of data, programs and licences with its own limit | Reinstalling practice or inventory software can cost more than the hardware. |
| Extra costs | not included | rental equipment, overtime and express charges | The business has to keep running until the replacement arrives. |
| Warranty cases | excluded with no advance payment | insurer pays first if the manufacturer disputes liability | Otherwise you argue with the manufacturer while work stands still. |
| Deductible | fixed amount per claim | selectable, separate rule for theft of portables | The deductible decides whether small claims are worth reporting. |
Insurers on the German market
Electronic equipment insurance belongs to the engineering lines in Germany. It is offered by large property insurers and specialists, often as part of commercial packages. This list is a market overview.
| Insurer | Background |
|---|---|
| Allianz | engineering lines for businesses |
| AXA | electronics standalone and in packages |
| HDI | Talanx group, schemes for practices and professions |
| R+V | engineering lines for mid-sized firms |
| Helvetia | engineering lines via brokers |
| Mannheimer | Continentale group, specialist schemes |
| Gothaer | electronics for businesses and practices |
| Zurich | engineering lines for commercial clients |
From the BaFin register
155
155 insurers supervised by BaFin, the German regulator, are licensed for this class of insurance. (Hagel-, Frost- und sonstige Sachschäden)
Show all 155 names from the register
- ACM Versicherung AG
- ADAC Autoversicherung AG
- ADAC Versicherung AG
- ADAC Zuhause Versicherung AG
- ADLER Versicherung AG
- Allianz Direct Versicherungs-AG
- Allianz Global Corporate & Specialty SE
- Allianz Versicherungs-Aktiengesellschaft
- Alte Leipziger Versicherung Aktiengesellschaft
- Ambra Versicherung AG
- AMMERLÄNDER VERSICHERUNG Versicherungsverein a.G. (VVaG)
- andsafe Aktiengesellschaft
- ARAG Allgemeine Versicherungs-Aktiengesellschaft
- Astra Versicherung AG
- AXA Versicherung Aktiengesellschaft
- BA die Bayerische Allgemeine Versicherung AG
- Badischer Gemeinde-Versicherungs-Verband
- Baloise Sachversicherung Aktiengesellschaft Deutschland
- Barmenia Allgemeine Versicherungs-Aktiengesellschaft
- BavariaDirekt Versicherung AG
- Bayerische Hausbesitzer-Versicherungs-Gesellschaft a.G.
- Bayerische Landesbrandversicherung Aktiengesellschaft
- Bayerischer Versicherungsverband Versicherungsaktiengesellschaft
- BD24 Berlin Direkt Versicherung AG
- Bergische Brandversicherung Allgemeine Feuerversicherung V.a.G.
- BGV-Versicherung Aktiengesellschaft
- CG Car-Garantie Versicherungs-Aktiengesellschaft
- Concordia Versicherungs-Gesellschaft auf Gegenseitigkeit
- CONSTANTIA Versicherungen a.G.
- Continentale Sachversicherung Aktiengesellschaft
- Cosmos Versicherung Aktiengesellschaft
- DA Deutsche Allgemeine Versicherung Aktiengesellschaft
- DARAG Deutschland AG
- Debeka Allgemeine Versicherung Aktiengesellschaft Sitz Koblenz am Rhein
- Delvag Versicherungs-AG
- DEVK Allgemeine Versicherungs-Aktiengesellschaft
- DEVK Deutsche Eisenbahn Versicherung Sach- und HUK-Versicherungsverein a.G. Betriebliche Sozialeinrichtung der Deutschen Bahn
- DFV Deutsche Familienversicherung AG
- Dialog Versicherung Aktiengesellschaft
- Die Haftpflichtkasse VVaG
- DOCURA VVaG
- Dolleruper Freie Brandgilde
- Domestic & General Insurance Europe AG
- ERGO Direkt Versicherung Aktiengesellschaft
- ERGO Reiseversicherung AG
- ERGO Versicherung Aktiengesellschaft
- EUROPA Versicherung Aktiengesellschaft
- EXTREMUS Versicherungs-Aktiengesellschaft
- Fahrlehrerversicherung Verein auf Gegenseitigkeit
- Feuer- und Einbruchschadenkasse der BBBank in Karlsruhe, Versicherungsverein auf Gegenseitigkeit
- Feuersozietät Berlin Brandenburg Versicherung Aktiengesellschaft
- GARANTA Versicherungs-Aktiengesellschaft
- Gartenbau-Versicherung VVaG
- Gebäudeversicherungsgilde für Föhr,Amrum und Halligen
- Generali Deutschland Versicherung AG
- GGG Kraftfahrzeug-Reparaturkosten-Versicherungs-Aktiengesellschaft
- Gothaer Allgemeine Versicherung Aktiengesellschaft
- Gothaer Versicherungsbank VVaG
- Great Lakes Insurance SE
- GRUNDEIGENTÜMER-VERSICHERUNG Versicherungsverein auf Gegenseitigkeit
- GVO Gegenseitigkeit Versicherung Oldenburg VVaG
- GVV Direktversicherung AG
- GVV-Kommunalversicherung, Versicherungsverein auf Gegenseitigkeit
- Hagelgilde Versicherungsverein a.G., gegründet 1811
- Hamburger Beamten-Feuer-und Einbruchskasse
- Hamburger Feuerkasse Versicherungs-Aktiengesellschaft
- Hamburger Lehrer-Feuerkasse
- HanseMerkur Allgemeine Versicherung AG
- HanseMerkur Reiseversicherung AG
- Harsewinkeler Versicherung VaG
- HDI Global SE
- HDI Global Specialty SE
- HDI Haftpflichtverband der Deutschen Industrie Versicherungsverein auf Gegenseitigkeit
- HDI Versicherung AG
- Helvetia Schweizerische Versicherungsgesellschaft AG Direktion für Deutschland
- Helvetia Versicherungs-Aktiengesellschaft
- HUK-COBURG Haftpflicht-Unterstützungs-Kasse kraftfahrender Beamter Deutschlands a.G. in Coburg
- HUK-COBURG-Allgemeine Versicherung AG
- HUK24 AG
- Häger Versicherungsverein auf Gegenseitigkeit
- Hübener Versicherungs-Aktiengesellschaft
- IDEAL Versicherung AG
- INTER Allgemeine Versicherung AG
- Interlloyd Versicherungs-Aktiengesellschaft
- InterRisk Versicherungs-AG Vienna Insurance Group.
- ISSELHORSTER Versicherung V.a.G.
- Itzehoer Versicherung/Brandgilde von 1691 Versicherungsverein auf Gegenseitigkeit
- Janitos Versicherung Aktiengesellschaft
- KRAVAG-ALLGEMEINE Versicherungs-Aktiengesellschaft
- KRAVAG-LOGISTIC Versicherungs-Aktiengesellschaft
- Landschaftliche Brandkasse Hannover
- LBN Versicherungsverein a.G. (VVaG)
- Lehrer-Feuerversicherungsverein a.G. für Schleswig-Holstein, Hamburg und Mecklenburg-Vorpommern
- Lifestyle Protection AG
- Lippische Landesbrandversicherung AG
- Lucura Versicherungs AG
- LVM Landwirtschaftlicher Versicherungsverein Münster a.G.
- Mannheimer Versicherung Aktiengesellschaft
- Markel Insurance SE
- Mecklenburgische Versicherungs-Gesellschaft auf Gegenseitigkeit
- Mercedes-Benz Versicherung AG
- MVK Versicherung VVaG
- MÜNCHENER VEREIN Allgemeine Versicherungs-AG
- NEH Neue Hildener Versicherung AG
- Neodigital Versicherung AG
- Neuendorfer Brand-Bau-Gilde
- Newline Europe Versicherung AG
- nexible Versicherung AG
- Nordhemmer Versicherungsverein auf Gegenseitigkeit
- NV-Versicherungen VVaG
- NÜRNBERGER Allgemeine Versicherungs-Aktiengesellschaft
- NÜRNBERGER BEAMTEN ALLGEMEINE VERSICHERUNG AKTIENGESELLSCHAFT
- OKV - Ostdeutsche Kommunalversicherung auf Gegenseitigkeit
- Ostangler Brandgilde, Versicherungsverein auf Gegenseitigkeit (VVaG)
- OSTBEVERNER Versicherungsverein auf Gegenseitigkeit (VVaG)
- Pallas Versicherung Aktiengesellschaft
- ProTect Versicherung AG
- Provinzial Nord Brandkasse Aktiengesellschaft
- Provinzial Versicherung Aktiengesellschaft
- PVAG Polizeiversicherungs-Aktiengesellschaft
- R+V Allgemeine Versicherung Aktiengesellschaft
- Real Garant Versicherung Aktiengesellschaft
- RheinLand Versicherungs Aktiengesellschaft
- Rhion Versicherung Aktiengesellschaft
- S DirektVersicherung Aktiengesellschaft
- SAARLAND Feuerversicherung Aktiengesellschaft
- Schleswiger Versicherungsverein auf Gegenseitigkeit
- SCHNEVERDINGER Versicherungsverein a.G.
- SHB Allgemeine Versicherung VVaG
- SIGNAL IDUNA Allgemeine Versicherung Aktiengesellschaft
- SIGNAL IDUNA Unfallversicherung a. G.
- Sparkassen-Versicherung Sachsen Allgemeine Versicherung Aktiengesellschaft
- Stuttgarter Versicherung Aktiengesellschaft
- SV SparkassenVersicherung Gebäudeversicherung Aktiengesellschaft
- TRIAS Versicherung Aktiengesellschaft
- Uelzener Allgemeine Versicherungs-Gesellschaft a.G.
- Union Reiseversicherung Aktiengesellschaft
- uniVersa Allgemeine Versicherung AG
- Vereinigte Hagelversicherung VVaG
- Vereinigte Tierversicherung, Gesellschaft auf Gegenseitigkeit
- Versicherer im Raum der Kirchen Sachversicherung AG
- Versicherungsverband Deutscher Eisenbahnen-Versicherungsverein auf Gegenseitigkeit
- VHV Allgemeine Versicherung AG
- Volkswagen Versicherung Aktiengesellschaft
- VOLKSWOHL-BUND SACHVERSICHERUNG AKTIENGESELLSCHAFT
- VPV Allgemeine Versicherungs-AG
- Waldenburger Versicherung Aktiengesellschaft
- WERTGARANTIE SE
- WGV-Versicherung AG
- WWK Allgemeine Versicherung Aktiengesellschaft
- Württembergische Gemeinde-Versicherung auf Gegenseitigkeit
- Württembergische Versicherung Aktiengesellschaft
- Würzburger Versicherungs-AG
- Zurich Insurance Europe AG
- Öffentliche Feuerversicherung Sachsen-Anhalt
Source: BaFin company database, retrieved 18 September 2026. Insurers from other EU countries selling through a branch or without a German office are not included.
Legal basis and sources
Products and add-ons
Blanket electronics policy
One sum for stationary office and communication technology.
Itemised equipment policy
For expensive single devices such as X-ray, ultrasound or lab analysers.
Portable electronics
Laptops, tablets, cameras and measuring devices off-site.
Data and software insurance
Restoration of data and programs after insured damage to storage media.
Extra costs and electronics BU
Replacement equipment or lost income while the technology is down.
Myth or truth
True or false?
Five things people say about this insurance. Guess first, then see the answer.
Scratches on a screen that still works are covered.
This is false.
Usually not. Cosmetic damage that does not affect function is a standard exclusion.
A warranty claim and this insurance can pay out for the same fault.
This is false.
No, the manufacturer or dealer is liable first, and the insurer will not pay twice. Good policies pay in advance and recover the money from the manufacturer.
Damage an angry employee causes on purpose can still be covered.
This is true.
Yes, sabotage and intent by third parties are insured. Only intent by the owner and senior management is excluded.
Rodents chewing through cables are an insured event.
This is true.
Generally yes, since all risks cover pays for any sudden physical damage not excluded. Animal bites are not among the usual exclusions.
Every German insurer uses the same GDV conditions, so policies are all alike.
This is false.
No, the GDV model conditions are non-binding templates. Insurers change and extend them, and those differences decide claims.
Common mistakes
- Thinking contents insurance covers accidental damage and short circuits
- Covering laptops only on the premises
- Never updating the sum after buying new medical equipment
- Forgetting data restoration and software licences
- Treating electronics and cyber insurance as interchangeable
Questions and answers
Frequently asked
Is a power surge covered?
Yes, that is one of the main reasons for the policy. Unlike contents insurance, it also pays for surges from the grid without a lightning strike.
Is a dropped laptop covered?
Yes, drops and breakage are typical insured events. Away from the office this applies only if portable devices are included.
Does electronic equipment insurance cover hacking?
Generally no, since there is no physical damage. Encrypted or deleted data is a matter for cyber insurance.
What if the device is still under warranty?
The manufacturer or dealer has to pay first. Good policies pay in advance if the manufacturer disputes the claim and then recover the money themselves.
Does my leasing company require this insurance?
Often yes. Leasing contracts for office, medical or measuring equipment usually require the lessee to insure the device at replacement value. Lessors may offer their own cover, which is worth comparing with an independent policy.
Do I have to list every device?
Not with blanket cover, where one sum applies to all devices of a type. With itemised cover every device is listed, and new ones must be reported.
Are older devices replaced at full value?
That depends on the policy. Better policies pay replacement value as long as the device is in use. Others switch to current value after some years or for models no longer manufactured.
Is the phone system covered?
Yes, telephone and communication systems are classic insured items, as are alarm systems, tills and network equipment, provided they are included in the sum insured.
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