Business & Commercial Insurance

Electronic Equipment Insurance

All-risks cover for electronic equipment: computers, servers, medical electronics, specialist machinery, including breakdown and consequential data loss.

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IT, medical & AV gearBreakdown + accidentData restoration costsWorldwide cover option

Breakdown + Damage

Both Covered

Data Recovery

Costs Included

Breakdown + Damage

Both Covered

Data Recovery

Costs Included

Years Experience

Underwriter Partners

Claims Paid 2024

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Google Rating

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Electronic Equipment Insurance (EEI) in Kenya is the all-risks policy for electronic kit: computers, servers, networking gear, medical electronics, broadcast equipment, telecoms systems, and industrial control instruments. It covers what Fire & Perils excludes: mechanical, electrical, and electronic breakdown, power surges, and accidental damage, plus the cost of reconstructing lost data and the increased cost of working while the equipment is offline. Premiums are rated on the declared replacement value and the equipment type: office IT typically from about 0.25% of that value a year, with medical and specialist electronics rated higher. The sum insured has to be new replacement value rather than depreciated book value, which is where older specialist equipment is most often underinsured. EEI is not Cyber Liability: it covers physical damage and breakdown, not data breach or ransomware, and tech-heavy businesses usually need both.

Office IT typically from about 0.25% of replacement value a year; specialist kit rated higher
Breakdown, power surge & accidental damage: the gaps Fire & Perils excludes
Data reconstruction and increased cost of working included, with sub-limits
Sum insured is new replacement value, not depreciated book value
Physical damage and breakdown only: Cyber Liability is a separate policy

Rates shown are typical market rates, given as a guide only. Your actual premium is set by the insurer after underwriting and depends on your risk, sum insured, claims history, and security; government levies are added.

Reviewed by Lawrence, Broking Manager, Vike Insurance

Electronic Equipment Insurance (EEI) is the specialist all-risks policy for electronic kit: computers, servers, networking gear, medical electronics, broadcast equipment, telecoms systems, and specialist control instruments. It covers what Fire & Perils doesn't: breakdown, mechanical and electrical faults, power surges, accidental damage, and the consequential cost of data loss and increased cost of working.

Vike places EEI for hospitals, broadcasters, ISPs, banks, schools, manufacturers, and any business that depends on electronics to function. We pay particular attention to the breakdown wording, the external data media cover, and the 'increased cost of working' section, because the cost of getting back to operations after a major electronic failure typically dwarfs the equipment replacement cost itself.

What It Covers

All-risks property damage to electronic equipment (fire, theft, accident, breakdown)
Mechanical, electrical, and electronic breakdown, including internal causes
Power surges, voltage fluctuations, and lightning-induced damage
External data media (backup tapes, disks, removable storage)
Cost of reconstructing lost data and software (sub-limit)
Increased cost of working: rental of replacement equipment during downtime
Goods in transit between locations (extension)
Equipment at temporary off-site locations (extension)

Who It's For

Hospitals, clinics, and diagnostic centres with medical electronics
Banks, saccos, and financial institutions
ISPs, data centres, and tech companies
Schools, universities, and training centres
Manufacturers with specialist control and instrumentation systems
Broadcasters, ad agencies, and media production houses

Types We Cover

Each profile is rated and underwritten differently. Talk to us so we can match your specific situation.

IT & Office Equipment

Computers, servers, networking, printers, and office electronics. The most common SME EEI structure. Rated on declared replacement value, typically from about 0.25% of that value a year.

Medical Electronics

Imaging equipment (MRI, CT, X-ray, ultrasound), monitors, laboratory instruments, and surgical electronics. Higher rates because of breakdown frequency and specialist repair costs.

Broadcast & Production

Cameras, lighting, audio, and studio electronics for media houses, production companies, and event hire firms. Often combined with goods-in-transit and worldwide cover.

Industrial Control Systems

PLCs, SCADA, sensors, and process control electronics in manufacturing and utilities. Critical because of the production downtime cost of an electronics failure.

EEI with Business Interruption

Adds loss of profits arising from electronic equipment breakdown, for businesses whose revenue is materially dependent on specific equipment uptime.

Real-World Scenarios

MRI scanner breaks down at a private hospital

Electronic breakdown is the central peril. EEI settles the repair (or replacement of the failed module) and the increased cost of working, referring patients to another facility, hiring a mobile MRI temporarily, while the equipment is offline.

Lightning strike fries office network and servers

Power surge from lightning damages switches, routers, two physical servers, and a UPS. EEI settles the replacement at new-for-old, plus the cost of restoring data from backups (external data media cover) and the rental of laptops during the rebuild.

Camera kit damaged on location shoot

A high-end production camera is dropped during a shoot. All-risks EEI with worldwide / temporary location extension settles the repair (or replacement) less the agreed excess. Many media businesses discover they are uninsured for on-location work without this extension.

Optional Benefits & Add-ons

Increased cost of working / additional expenses

Business interruption following equipment breakdown

External data media and software reconstruction

Goods in transit between locations

Worldwide / temporary off-site location cover

Loss of revenue for specific high-dependency equipment

Availability varies by underwriter. Our advisors will confirm what is available on your chosen policy.

Frequently Asked Questions

Doesn't Fire & Perils cover my computers?

It covers fire and named perils, but not breakdown, power surge from internal causes, or accidental damage. Electronics fail mostly from electrical and mechanical causes, which Fire & Perils excludes. EEI plugs that gap.

Is data recovery covered?

Yes: most EEI policies cover the cost of reconstructing lost data and reinstalling software, up to a sub-limit (typically KES 500K–5M depending on the scheme). Note that the data itself has no insurable value beyond reconstruction cost.

How is the sum insured set?

New replacement value of all listed equipment, not depreciated book value. This is critical for older specialist equipment whose book value is low but whose replacement cost is high. We do an equipment register at every renewal.

Are smartphones and laptops covered?

Yes, if declared and within the policy's portable equipment limits. Worldwide cover is needed for laptops travelling with staff. Premium loading typically applies for portable items.

Is this the same as Cyber Liability?

No. EEI covers physical damage and breakdown of the equipment. Cyber Liability covers data breach, ransomware, business email compromise, and third-party cyber claims. Most tech-heavy businesses need both.