In your computer policy you may want to include coverage for research and replacement cost of information lost on the media for which duplicates do not exist. This is the coverage for electrical surges and usually includes lightning that accesses equipment through electrical lines. Nowadays, policies limit coverage for surges due to a power fluctuation within a specified distance from the premises. Lightning is generally still covered with no distance limitation. Programming errors exclusion.
Most policies exclude programming errors.
You may need specific items to be scheduled into a policy. With the expanded use of wireless terminal technologies used in delivery trucks and other motor vehicles, this coverage may be appropriate. The coverage is sometimes subject to interpretation with portables and company-owned desktop computers permanently located in an employee's home office. Review your existing policy or proposed policy to look at what it will cover. Ask and confirm understandings of what your policy will and will not cover.