Machinery Insurance
Protect your machines against technical failures and human error
Machinery insurance protects transportable or stationary machines and technical equipment, such as manufacturing plants, printing presses, forklifts, and excavators. If these valuable machines are damaged by technical failures, manufacturing defects, or human error, you can rely on this insurance for protection.
Benefits of this insurance
Stationary machinery is protected up to this sum insured.
Mobile equipment such as forklifts and excavators is covered up to this limit.
Covers natural events, theft, operating errors, gross negligence, and construction defects.
Includes reimbursement of replacement equipment costs up to €5,000 and removal and disposal costs up to €30,000.
What is covered
Natural event damage
Fire, lightning, storm, and other natural events that damage the insured machinery.
Theft and burglary
Covers theft, burglary, and robbery of insured machinery and equipment.
Operating errors and construction defects
Covers damage caused by operating errors, gross negligence, and manufacturing or design defects.
Worldwide coverage for mobile equipment
Transportable equipment is also protected during temporary use outside Germany.
What is not covered
Normal wear and tear
Regular wear of machinery from daily use is not covered by this policy.
Lack of maintenance
Damage resulting from a lack of proper maintenance may be excluded from coverage.
Real claim examples
Printing press breakdown
A technical failure in an industrial printing press causes significant damage; the insurance covers the repair and replacement equipment during downtime.
Theft of construction machinery
An excavator is stolen from a construction site overnight; the insurance covers the replacement value of the equipment.
Frequently asked questions
What type of machinery can I insure?
Both stationary machinery (manufacturing plants, printing presses) and mobile machinery (forklifts, excavators).
Where does coverage apply?
For stationary machinery, coverage applies at the premises specified in the contract within Germany. For mobile equipment, coverage also extends to temporary use abroad.
Can I supplement the insurance with business interruption protection?
Yes, additional modules are available that cover lost profit and extra costs if a machinery breakdown halts your business.
How is the sum insured determined?
It depends on individual factors of your business; we recommend requesting a personalized quote to determine the appropriate amount.
Want to protect your machinery against the unexpected?
Tell us what type of machinery you use, and we will advise you on the most suitable coverage.
Request free advice