Generators lighten our load – here’s how to insure them

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Generators lighten our load – here’s how to insure them

With the current state of the electricity network and its inability to generate sufficient power at all times, we need to be prepared to live with the inconvenience of loadshedding for the next few years. Aside from the practicalities of being without electricity, the biggest concern is how to protect ourselves, our loved ones, our homes and our businesses from harm.

By now, many businesses and homeowners have decided to bite the bullet of the initial capital costs to purchase a generator. To businessowners, having a generator is a way to protect their bottom line, while households can at least keep the essential appliances running when the power supply is cut. IntegriSure has the following valuable tips for insuring your generator correctly

For businessowners

Portable generators, the kind usually fixed to trailers, are insured as a trailer accessory under the motor section. Portable generators that are taken to various locations need to be specified under the all-risk section of your policy. Larger, immovable generators, on the other hand, may be insured under the fire section so as to include power surge cover.

For homeowners

Portable generators may be covered as part of household contents under “Goods in the open”. Immovable generators should be insured under the “Building and fixtures” section of the homeowner’s policy, which may be extended to include power surges.

Remember, though, while a generator is very convenient to have, installing it is not that simple. A generator is not a plug-in appliance. Its installation requires the assistance of a competent, accredited service provider to ensure that it complies with all relevant standards and regulations, including those set by insurers.

In addition, keep in mind that generators emit carbon monoxide (CO), so adequate ventilation is crucial when using a generator indoors. Other hazards associated with generators include fire, an explosion of distribution boards as well as electrocution, so do use with caution.

Let’s be power-smart and stay safe in the months ahead.

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For official Government information about COVID-19, please visit www.sacoronavirus.co.za.