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Business Equipment Insurance Against Power Surges
A single power grid failure can halt your office or production for weeks. Standard liability policies often overlook internal electronic failures, dismissing them as normal wear and tear. We provide a solution that covers the repair or full replacement of machinery and devices damaged by voltage spikes, short circuits, or public grid malfunctions.
Result
Asset Protection
Perfectly suited for IT offices, restaurants with high-end kitchen equipment, and manufacturing plants with CNC machinery.
Perfectly suited for IT offices, restaurants with high-end kitchen equipment, and manufacturing plants with CNC machinery.
Price
Flexible Pricing
Electrical risk protection starts at 150 euros per year, depending on the total value of the insured equipment fleet.
Electrical risk protection starts at 150 euros per year, depending on the total value of the insured equipment fleet.
Timeline
Rapid Claim Processing
Expert inspection and damage assessment are conducted within 48 hours to minimize business downtime.
Expert inspection and damage assessment are conducted within 48 hours to minimize business downtime.
In 2026, Spanish insurance providers have tightened maintenance requirements for electrical installations. To ensure a payout, it is crucial to cover not just direct surges, but also lightning induction and external grid overloads. We structure your policy so that compensation is paid even when the fault originates from the municipal network or neighboring premises.
- Full coverage for Electrical Damage up to 100% of equipment value.
- Data recovery costs for damaged servers included in the policy.
- Zero deductible for minor electronic equipment failures.
- Automatic coverage for new equipment acquired during the policy term.
Agent's opinion "Watch out for the equipment age limit. Many insurers stop covering devices older than 5 years or apply heavy depreciation. We negotiate specific terms to ensure you receive a fair payout based on the actual operational value of your business tools."