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Ubezpieczenie mienia programisty. Majątek firmy informatycznej (IT) obejmuje zazwyczaj obszar biura, w którym prowadzona jest działalność. Lokal lub budynek jest najczęściej wynajmowany albo może też stanowić majątek firmy lub jej właściciela. W wielu przypadkach (np. umów B2B) działalność firm IT prowadzona jest w naszych własnych mieszkanich lub domach (w ich wydzielonych częściach). W samym biurze typowe wyposażenie biurowe oraz mnóstwo sprzętu elektronicznego zarówno stacjonarnego jak i przenośnego. Dodatkowa samochody służbowe i mamy cały zasób majątku firmy IT.
Ubezpieczenie mienia firmy informatycznej
Ubezpieczenie mienia firmy informatycznej należy rozpocząć od samego miejsca prowadzonej działalności. Biuro to zazwyczaj zespół pomieszczeń. Występuje część biurowo – administracyjna oraz pomieszczenia socjalne dla pracowników. Lokal biurowy, w którym prowadzona jest działalność firmy może wymagać dostosowania do specyficznych potrzeb przedsiębiorstwa. Każda firma posiada swój własny indywidualny styl wyrażony w malaturze, dekoracjach oraz zdobieniach. Właściciel ponosi określone koszty przystosowania nieruchomości do prowadzonej działalności tzw. nakłady inwestycyjne. W każdym biurze znajduje się wyposażenie, maszyny i urządzenia komputerowe oraz sprzęt elektroniczny.
Miejscem naszej pracy jest co raz częściej nasze mieszkanie lub dom. Nie ma problemu z ubezpieczeniem naszych nieruchomości, w których wykonujemy działalność gospodarczą. Także wyposażenie, które wykorzystujemy do działalności może zostać ubezpieczone.
Zakres ubezpieczenia od wszystkich ryzyk pozwoli zabezpieczyć majątek firmy od wszelkich nagłych i nieprzewidzianych zdarzeń, które nie zostały wyłączone w OWU. Należy pamiętać, aby oddzielnie na polisie wyspecyfikować limity odpowiedzialności na takie zdarzenia jak kradzież z włamaniem, wandalizm, przepięcie czy kradzież zwykła. Taki zakres ubezpieczenia obejmie cały wymieniony w tabeli przedmiot ubezpieczenia. Zestaw porad do ubezpieczenia mienia znajdziecie tutaj. Korzystanie ze sprzętu elektronicznego stacjonarnego i przenośnego (np. laptopów, tabletów i smartfonów) jest aktualnie zjawiskiem powszechnym, stąd sugerujemy ubezpieczenie EEI. Ubezpieczenie sprzętu elektronicznego od wszystkich ryzyk, pozwala uzyskać odszkodowanie dodatkowo w przypadku szkód spowodowanych niewłaściwym użytkowaniem sprzętu takim jak wylanie kawy, zrzucenie, potrącenie kabla itd.
Polisa ubezpieczenia majątku firmy informatycznej powinna wyglądać w sposób następujący:| Przedmiot ubezpieczenia | Rodzaj wartosci | System ubezpieczenia | Inne | |
|---|---|---|---|---|
| Budynek / lokal | odtworzeniowa | na sumy stale | Biuro firmy | |
| Budowle | odtworzeniowa | na sumy stale | chodniki przed budynkiem, plot itp. | |
| Maszyny, urzadzenie, wyposazenie | odtworzeniowa | na sumy stale | biurka, szafy, regaly, fotele itp. | |
| Mienie niskocenne | odtworzeniowa | na pierwsze ryzyko | segregatory, kalkulatory, zszywacze itp. | |
| Srodki obrotowe | cena zakupu | maksymalny stan | papier do drukarki, tusze itp. | |
| Mienie osob trzecich | rzeczywista | pierwsze ryzyko | sprzet klientow | |
| Mienie pracownikow | rzeczywista | pierwsze ryzyko | mienie nalezace do pracownikow | |
| Naklady inwestycyjne | odtworzeniowa | pierwsze ryzyko | koszty malowania, ukladania podlog, remontu |
Konrad Gawron
Broker Ubezpieczeniowy. Od 8 lat zarządzam ryzykiem ubezpieczeniowym w małych, średnich i dużych podmiotach gospodarczych. Analizuje ryzyko, przygotowuje program ubezpieczenia, dobieram zapisy szczególne, kreuje zakres i warunki ochrony, negocjuje z zakładami ubezpieczeń. Moim celem jest wskazanie najlepszego ubezpieczenia pod względem ceny i zakresu.Jeśli chcesz zadać mi pytanie zadzwoń (516-216-045) lub skorzystaj choćby z tego maila:
biuro@gawron-broker.pl
