After several energy crises, Ukrainians have begun to take backup power sources much more seriously. Generators have become an essential part of everyday life, business, and industry. For some, it’s just a way to avoid being left without electricity at home, while for businesses — it’s a guarantee of continuous operation or production. But as this equipment becomes more widespread, a logical question arises: is it worth insuring a generator? And if so, what advantages does it bring to the owner?
Modern industrial generators are expensive equipment that requires significant investment. Their cost can reach hundreds of thousands of hryvnias, especially when it comes to powerful diesel units for enterprises or residential complexes.
Like any valuable asset, a generator can be damaged or lost due to unforeseen circumstances — fire, flooding, theft, or improper use. Therefore, insuring this equipment should be seen not as an unnecessary expense but as an element of financial protection.
For private users who own a small portable generator, insurance is not always critical. But for businesses, the situation is different. If the operation of an entire facility depends on the generator, insurance becomes a smart decision.
For example, industrial generators are often used in hospitals, shopping centers, office buildings, or manufacturing plants. In case of damage or breakdown, the financial losses can be enormous. In such cases, insurance compensation covers repair or replacement costs, allowing the company to quickly resume operations.
An insurance policy can cover a variety of risks:
In most cases, insurance companies assess the condition of the equipment before signing the contract and take into account the conditions of its operation.
To get truly effective insurance coverage, it’s best to contact companies experienced in working with energy equipment. One example is Darex Trading Solutions, which specializes in supplying, servicing, and selecting generators of various types and capacities.
Darex Trading Solutions helps clients not only choose the optimal generator for their needs but also provides consultations on warranty service, maintenance, and insurance. The company’s specialists explain which risks should be included in the policy and help avoid common mistakes that might lead to a denial of insurance compensation.
The cost of insurance depends on several factors:
Typically, the insurance premium ranges from 1% to 3% of the generator’s value per year. For industrial systems, this may seem like a significant amount, but it’s negligible compared to the potential losses in case of serious damage or theft.
If insurance seems unnecessary, you should at least ensure proper maintenance. Regular servicing, timely replacement of consumables, and diagnostics can help avoid most problems.
Darex Trading Solutions offers not only generator sales and installation but also professional servicing — from checking electronic systems to comprehensive technical maintenance. This approach extends the equipment’s lifespan and reduces the likelihood of emergencies that might otherwise lead to insurance claims.
Generator insurance is not a luxury — it’s a way to protect your investment from unpredictable risks. For private users, it can be an additional option, but for businesses where industrial generators play a crucial role, it’s a strategically sound decision.
After all, true energy independence is not only about having a reliable generator — it’s about being confident that even in the most difficult circumstances, you’re protected.
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