At A Glance
Protect your equipment and your livelihood!
As a professional, you know your equipment is your livelihood. You've invested a lot of money. Have you thought about what would happen if your equipment were lost, stolen, or damaged? The "Special Risk" Equipment Insurance Program, is worth a look if you're interested in insuring your valuable equipment.
"Special Risk" means there are very few exclusions to your coverage. You're covered for all loss or damage to equipment from theft, breakage, vandalism, fire, lightning and other natural hazards.
And you're covered no matter where you go - up to the scheduled value of your equipment. You may be aware that most homeowner's policies won't cover your business-related equipment at your office, home or in your car.
Get a Quick Quote or Apply for coverage online.
Renew your Policy or access My Account to print your Policy, Update Profile or Upload documents.
Download the Equipment Application, Policy Highlights & FAQs, or the fillable Equipment Schedule Change Request Form.
The "SPECIAL RISK" Business Equipment Insurance Plan is a complete insurance program that covers loss or damage to equipment by theft, accident, vandalism, fire, flood, tornado and other natural calamities.
The majority of the usual equipment you use is covered. You're even covered for the replacement cost of computers and software--including temporary rental fees and reprogramming costs. This Plan can also cover your traditional office equipment such as printers, scanners, monitors and other electronic equipment.
With this Plan, your equipment is covered everywhere...at your office or facility, a client's home, in transit, at a school, your home or in your car--24 hours a day.
The cost of this Plan can be tax-deductible as a normal business expense. The Business Equipment Program is the most comprehensive and economical policy you can buy.
We're here to help! Please contact us in whatever manner is most convenient for you.
| Mailing Address
Mercer Consumer, a service of
Mercer Health & Benefits Administration LLC
P.O. BOX 14575
Des Moines, IA 50306-3575
Monday – Friday, 8am-5pm (CT)
Answers about the plan, including eligibility, options, enrollment, customer service and more.
Will my Professional Liability Insurance policy cover my equipment?
How can I learn more about this plan?
Does all of my equipment have to be insured?
What if new equipment is purchased?
What kind of reimbursement can I expect?
This Plan pays you the actual cost of replacement. As long as your item is scheduled for its full value, no depreciation factor is taken into account. Claims are settled on a 'new-or-old' basis, up to the limit applied for on the application.
Do I need this insurance if I already have coverage under any homeowner's policy?
What's the minimum premium required under this plan?
Any situation which may result in a claim should be reported immediately to:
Theft or Vandalism Claims: Include the police report.
Repair Claims: Include an estimate of the damage.
Theft/Damage to Newly Acquired Property: Include proof of purchase.
Items Valued over $10,000: Include proof of purchase.