{"id":18492,"date":"2025-11-11T10:56:13","date_gmt":"2025-11-11T10:56:13","guid":{"rendered":"https:\/\/palatina-service.com\/?page_id=18492"},"modified":"2026-06-29T08:48:21","modified_gmt":"2026-06-29T08:48:21","slug":"property-and-casualty-insurance","status":"publish","type":"page","link":"https:\/\/palatina-service.com\/en\/services\/property-and-casualty-insurance\/","title":{"rendered":"Property and Casualty Insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"18492\" class=\"elementor elementor-18492 elementor-16039\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3f7599a1 e-con-full e-flex e-con e-parent\" data-id=\"3f7599a1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5faeb339 e-con-full e-flex e-con e-child\" data-id=\"5faeb339\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b682c24 elementor-widget elementor-widget-image\" data-id=\"1b682c24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1920\" height=\"1080\" src=\"https:\/\/palatina-service.com\/wp-content\/uploads\/2026\/02\/Technische-Versicherung.png\" class=\"attachment-full size-full wp-image-18219\" alt=\"Two Palatina employees talking in the office.\" srcset=\"https:\/\/palatina-service.com\/wp-content\/uploads\/2026\/02\/Technische-Versicherung.png 1920w, https:\/\/palatina-service.com\/wp-content\/uploads\/2026\/02\/Technische-Versicherung-300x169.png 300w, https:\/\/palatina-service.com\/wp-content\/uploads\/2026\/02\/Technische-Versicherung-1024x576.png 1024w, https:\/\/palatina-service.com\/wp-content\/uploads\/2026\/02\/Technische-Versicherung-768x432.png 768w, https:\/\/palatina-service.com\/wp-content\/uploads\/2026\/02\/Technische-Versicherung-1536x864.png 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6c6b5f5d e-con-full e-flex e-con e-parent\" data-id=\"6c6b5f5d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2f3d559 e-con-full e-flex e-con e-child\" data-id=\"2f3d559\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4ce4e974 elementor-widget elementor-widget-heading\" data-id=\"4ce4e974\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Property and Casualty Insurance for Businesses<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ee70e52 e-con-full e-flex e-con e-parent\" data-id=\"ee70e52\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-35f2664 e-con-full e-flex e-con e-child\" data-id=\"35f2664\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-61a9717 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"61a9717\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Key Points at a Glance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f143e1 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5f143e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>Protection for Machinery, Equipment, and Electronics<\/li><li>Protection against operator error, short circuits, and design or material defects<\/li><li>Modular and combinable: Machinery, Electronics, and Assembly Insurance<\/li><li>Applies to manufacturing, skilled trades, construction, and services<\/li><li>Customized coverage solutions from our Palatina<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-23c3caae e-con-full e-flex e-con e-parent\" data-id=\"23c3caae\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-4a92f83e e-con-full e-flex e-con e-child\" data-id=\"4a92f83e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-31770539 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"31770539\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why Technical Insurance Is Important for Businesses<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-20befa7f e-con-full e-flex e-con e-child\" data-id=\"20befa7f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6d5d4f43 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"6d5d4f43\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Technical equipment and machinery are the heart of many businesses.<br\/>A malfunction, operator error, or short circuit can quickly lead to high costs and bring the entire production process to a standstill.<br\/>Our Palatina technical insurance protects your business from the financial consequences of such damage.<\/p><p>It covers not only traditional production machinery, but also modern electronics, IT systems, and measurement and communication technology.<br\/>This makes it a central component of any company\u2019s risk management system.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cbfe809 e-con-full e-flex e-con e-parent\" data-id=\"cbfe809\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-343cfc4 e-con-full e-flex e-con e-child\" data-id=\"343cfc4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fcd09a0 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"fcd09a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What does mechanical insurance cover?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8f2e7c8 e-con-full e-flex e-con e-child\" data-id=\"8f2e7c8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6df2a23 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"6df2a23\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Technical insurance consists of several components.<br\/>It can be customized to cover the specific risks of your business.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e045fd6 e-con-full e-flex e-con e-parent\" data-id=\"e045fd6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-cae189e e-con-full e-flex e-con e-child\" data-id=\"cae189e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f58e75b elementor-widget elementor-widget-heading\" data-id=\"f58e75b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Overview of the main components:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-98f0714 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"98f0714\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul>\n \t<li>Machinery Insurance: Coverage for stationary and mobile machinery against operator error, design and material defects, short circuits, damage caused by foreign objects, or improper handling<\/li>\n \t<li><strong>Electronics Insurance:<\/strong> Covers damage to electronic devices, computer systems, telecommunications equipment, medical devices, and measuring equipment<\/li>\n \t<li><strong>Installation Insurance:<\/strong> Coverage during the transport, setup, and testing phases of machinery or equipment<\/li>\n<\/ul>\n<p>\n<p>\nOur Palatina combines these modules into a unified concept tailored to the technical requirements of your facility.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2f77cc3 e-con-full e-flex e-con e-parent\" data-id=\"2f77cc3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1fd1993 e-con-full e-flex e-con e-child\" data-id=\"1fd1993\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3a42c5f elementor-widget elementor-widget-heading\" data-id=\"3a42c5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What types of damage are covered?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2cdbcc5 e-con-full e-flex e-con e-child\" data-id=\"2cdbcc5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a3baf69 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"a3baf69\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The policy covers property damage to technical equipment, including in particular:<\/span><\/p><p>These include, in particular:<\/p><ul><li>Operator error, negligence, or human error<\/li><li>Short circuits, power surges, or electronic malfunctions<\/li><li>Material or design defects<\/li><li>Impact of foreign objects (e.g., tools, dirt particles)<\/li><li>Fire, explosion, storm, or frost<\/li><li>Damage caused during transport, installation, or operation<\/li><\/ul><p>This ensures that your production processes remain protected\u2014even in the event of unexpected incidents.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-048a82e e-con-full e-flex e-con e-parent\" data-id=\"048a82e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-9e3f6db e-con-full e-flex e-con e-child\" data-id=\"9e3f6db\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-56a0bb9 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"56a0bb9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The Interplay Between Technical Insurance and Property Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-767ff57 e-con-full e-flex e-con e-child\" data-id=\"767ff57\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9a791b7 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"9a791b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Technical insurance serves as a useful complement to traditional <u><a href=\"https:\/\/palatina-service.com\/services\/property-insurance\/?lang=en\">property insurance.<\/a><\/u><br\/>While property insurance protects buildings, furnishings, and inventory, technical insurance ensures that the equipment in use remains operational.<br\/>Together, these two policies form a comprehensive protection plan for your business.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-eebfbfc e-con-full e-flex e-con e-parent\" data-id=\"eebfbfc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-6a95862 e-con-full e-flex e-con e-child\" data-id=\"6a95862\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4a33579 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"4a33579\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Link to Cyber and IT Risks<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-150bce6 e-con-full e-flex e-con e-child\" data-id=\"150bce6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b5aff7d elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"b5aff7d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>In an era of increasing digitalization, many machines and pieces of equipment are connected to IT systems.<br\/>Property insurance covers property damage, but not damage caused by cyberattacks or data loss.<br\/>For these risks, we recommend supplemental coverage through our I<a href=\"https:\/\/palatina-service.com\/services\/it-and-cyber-risks\/?lang=en\"><u>T and cyber insurance<\/u><\/a>, which specifically protects against digital risks.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-59ea0dc e-con-full e-flex e-con e-parent\" data-id=\"59ea0dc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-9773eb8 e-con-full e-flex e-con e-child\" data-id=\"9773eb8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-42705d1 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"42705d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Consulting and Services<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-55666d0 e-con-full e-flex e-con e-child\" data-id=\"55666d0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-769cfac elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"769cfac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Our experts will provide you with personalized advice on the technical risks facing your company and which modules can be effectively combined.<br>You can schedule a consultation directly using our contact form.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-70db7c26 e-con-full e-flex e-con e-child\" data-id=\"70db7c26\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1c618467 e-con-full e-flex e-con e-child\" data-id=\"1c618467\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-337eded elementor-widget elementor-widget-heading\" data-id=\"337eded\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQ on Technical Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ca46f8c e-con-full e-flex e-con e-child\" data-id=\"ca46f8c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-56efd28 elementor-widget elementor-widget-n-accordion\" data-id=\"56efd28\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9110\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-9110\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is technical insurance for businesses? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-arrow-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9110\" class=\"elementor-element elementor-element-98fce80 e-con-full e-flex e-con e-child\" data-id=\"98fce80\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9110\" class=\"elementor-element elementor-element-0364a59 e-flex e-con-boxed e-con e-child\" data-id=\"0364a59\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-200c777 elementor-widget elementor-widget-text-editor\" data-id=\"200c777\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>It protects machinery, equipment, and electronic devices from unexpected damage.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9111\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9111\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What components are included in technical insurance? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-arrow-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9111\" class=\"elementor-element elementor-element-5c6f643 e-con-full e-flex e-con e-child\" data-id=\"5c6f643\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9111\" class=\"elementor-element elementor-element-f4f664b e-flex e-con-boxed e-con e-child\" data-id=\"f4f664b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4cf117c elementor-widget elementor-widget-text-editor\" data-id=\"4cf117c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Machinery, Electronics, and Assembly Insurance\u2014individually or combined.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9112\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9112\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Does the technical insurance also cover operator errors? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-arrow-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9112\" class=\"elementor-element elementor-element-0e57ef6 e-con-full e-flex e-con e-child\" data-id=\"0e57ef6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9112\" class=\"elementor-element elementor-element-40395a0 e-flex e-con-boxed e-con e-child\" data-id=\"40395a0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ee41e94 elementor-widget elementor-widget-text-editor\" data-id=\"ee41e94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Yes. Damage caused by operator error or negligence is generally covered under the policy. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9113\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9113\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How does property insurance differ from casualty insurance? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-arrow-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9113\" class=\"elementor-element elementor-element-36dec4e e-con-full e-flex e-con e-child\" data-id=\"36dec4e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9113\" class=\"elementor-element elementor-element-a0f57e6 e-flex e-con-boxed e-con e-child\" data-id=\"a0f57e6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f88ab0d elementor-widget elementor-widget-text-editor\" data-id=\"f88ab0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Property insurance protects buildings and inventory, while equipment insurance covers operational equipment essential to business operations.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9114\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9114\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can IT damage be covered under the policy? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-arrow-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9114\" class=\"elementor-element elementor-element-abe5da9 e-con-full e-flex e-con e-child\" data-id=\"abe5da9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9114\" class=\"elementor-element elementor-element-7b7d718 e-flex e-con-boxed e-con e-child\" data-id=\"7b7d718\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-64e64f6 elementor-widget elementor-widget-text-editor\" data-id=\"64e64f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Property damage, yes; cyberattacks, no\u2014that&#8217;s where IT and cyber insurance comes into play.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9115\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9115\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Which companies need technical insurance? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-arrow-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9115\" class=\"elementor-element elementor-element-78d6de4 e-con-full e-flex e-con e-child\" data-id=\"78d6de4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9115\" class=\"elementor-element elementor-element-2e5b717 e-flex e-con-boxed e-con e-child\" data-id=\"2e5b717\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7311e64 elementor-widget elementor-widget-text-editor\" data-id=\"7311e64\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>All businesses that use machinery, equipment, or electronics benefit from this protection. It is particularly relevant for the industrial, skilled trades, energy supply, and medical technology sectors. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9116\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9116\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can leased or debt-financed equipment also be insured? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-arrow-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9116\" class=\"elementor-element elementor-element-652ef5f e-con-full e-flex e-con e-child\" data-id=\"652ef5f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9116\" class=\"elementor-element elementor-element-c094a56 e-flex e-con-boxed e-con e-child\" data-id=\"c094a56\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6897099 elementor-widget elementor-widget-text-editor\" data-id=\"6897099\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Yes. Both owned and leased or rented equipment can be insured, as long as the financial risk lies with the company. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9117\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"8\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9117\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How is the sum insured determined? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-arrow-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9117\" class=\"elementor-element elementor-element-2ee0964 e-con-full e-flex e-con e-child\" data-id=\"2ee0964\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9117\" class=\"elementor-element elementor-element-b024313 e-flex e-con-boxed e-con e-child\" data-id=\"b024313\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d3a4849 elementor-widget elementor-widget-text-editor\" data-id=\"d3a4849\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>It is based on the replacement value of the insured equipment or devices. Our Palatina helps with the precise valuation. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0706c90 e-con-full e-flex e-con e-parent\" data-id=\"0706c90\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f48560c e-con-full e-flex e-con e-child\" data-id=\"f48560c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6031cc0 e-con-full e-flex e-con e-child\" data-id=\"6031cc0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c238d97 elementor-widget__width-inherit elementor-widget elementor-widget-witr_section_team\" data-id=\"c238d97\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"witr_section_team.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"team-part all_color_team witr_team_s11ar \">\n\t\t\t\t<div class=\"witr_team_section witr_team_s11a\">\n\t\t\t\t\t<!-- image -->\n\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/palatina-service.com\/wp-content\/uploads\/2026\/02\/palatina-team-tups.png\" alt=\"\">\t\t\n\t\t\t\t\t\t\t\t\t\t<div class=\"team_overlay_icon all_team_icon_o_color\">\n\t\t\t\t\t\t<!-- icon -->\n\t\t\t\t\t\t<a href=\"\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t<!-- subtitle -->\n\t\t\t\t\t\t\t\t\t\t<div class=\"witr_team_s11\">\n\t\t\t\t\t\t<span>Certified Insurance Specialist (IHK)<br><br>\n<b>Position: Authorized Signatory <\/b>, Senior Advisor, Account Manager for Corporations and Corporate Groups <br><br>\nPhone 06233 51190-33  <br>\ntorsten.tups@palatina-service.com <\/span>\t\n\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t<\/div> <!-- team sec -->\n\t\t\t\t<div class=\"witr_team_content witr_team_s11t all_content_bg_color text-center\">\n\t\t\t\t\t<!-- title -->\n\t\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t<h5><a href=\"mailto:torsten.tups@palatina-service.com\">Torsten Tups\n<\/a><\/h5>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\n\t\t\t\t<\/div> <!-- team conten -->\n\t\t\t<\/div>\t\t\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6978ef3 e-con-full e-flex e-con e-child\" data-id=\"6978ef3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-854d721 elementor-widget elementor-widget-text-editor\" data-id=\"854d721\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2>Personalized advice. Individualized support. <\/h2><p>If you\u2019re looking for a reliable partner for all your technical insurance needs, Torsten Tups is here to provide expert guidance. Together, we\u2019ll analyze your specific requirements and develop tailored solutions\u2014transparent, easy to understand, and on equal footing. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6a228d0c e-flex e-con-boxed e-con e-parent\" data-id=\"6a228d0c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-507f83c7 e-con-full e-flex e-con e-child\" data-id=\"507f83c7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4bdec24d elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"4bdec24d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Talk to us<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74082ad9 elementor-widget elementor-widget-text-editor\" data-id=\"74082ad9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"color: #ffffff;\">At Palatina, we\u2019re committed to providing personalized service\u2014and that starts with your very first contact. Whether you have a specific inquiry or would simply like to learn more with no obligation, we\u2019ll take the time to address your needs and work with you to find the best way to move forward. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11a0b476 attorna-star-rating--align-center attorna-star-rating--align-center elementor-widget elementor-widget-witr_section_button\" data-id=\"11a0b476\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"witr_section_button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- area -->\n\t\t\t<div class=\"witr_button_area\">\n\n\t\t\t\t\t\t\t\t<!--  post meta -->\n\n\n\t\t\t\t\t\t\t\t\t<!-- btn default style -->\n\t\t\t\t\t<div class=\"witr_btn_style mr\">\n\t\t\t\t\t\t<div class=\"witr_btn_sinner\">\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"mailto:info@palatina-service.com\" class=\"witr_btn\">Get in touch\t\t\t\t\t\t\t\t\t\t\t<!-- icon -->\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"pluse_btn_icon\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"fa fa-envelope-o\"><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\n\n\n\n\t\t\t<\/div>\n<!-- end area -->\n  \n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Property and Casualty Insurance for Businesses Key Points at a Glance Protection for Machinery, Equipment, and Electronics Protection against operator error, short circuits, and design or material defects Modular and combinable: Machinery, Electronics, and Assembly Insurance Applies to manufacturing, skilled trades, construction, and services Customized coverage solutions from our Palatina Why Technical Insurance Is Important [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":15344,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-18492","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - 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