Business Computer Insurance

The insured established that items of computer equipment had been stolen from a 2nd floor storage area. The method of entry was traced to a window at 2nd floor level that was not protected by key operated window locks. Normally the window  would not have been readily accessible to an opportunist thief, however scaffolding erected at a neighbouring property had been used to facilitate access through the window. Our computer insurance policy features a no minimum standard of security condition   and the claim was met without question.

The insured established that a number of pieces of computer hardware had been removed from their place of storage within the computer room at the risk premises. Third party contractors had been on site regularly over the previous 3 months and the belief was that the theft was attributable to an opportunist thief who had had legitimate access to the premises during business hours. Our computer insurance policy responded to the claim and paid without question despite the absence of any sign of forcible or violent entry to or from the insured’s property. We also agreed to the imposition of a single policy excess despite the likelihood that the items had been removed on a number of occasions over a period of time.