Equipment Breakdown Insurance

When critical equipment fails, this covers the repair, replacement, and lost income.

Standard property policies often exclude breakdown of the equipment your business runs on — HVAC, refrigeration, electrical systems, production machinery, and computers. Equipment breakdown insurance covers sudden mechanical or electrical failure, including the repair, replacement, and income you lose while you're down.

It's essential coverage for any business that depends on equipment to operate.

What's covered

Mechanical and electrical breakdown of equipment
HVAC, refrigeration, and building systems
Production and specialized machinery
Spoilage of perishable stock after a breakdown
Lost income and extra expense during repairs

Good to know

Frequently asked questions

Doesn't my property policy cover this?: Most property policies exclude mechanical and electrical breakdown. Equipment breakdown coverage fills that specific gap. We'll confirm what your policy excludes.
Is spoiled stock covered?: Yes — if a covered breakdown spoils perishable inventory, such as a refrigeration failure, this coverage can pay for it.
What equipment is included?: From HVAC and electrical systems to production machinery and computers. We'll tailor it to the equipment your business relies on.

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Frequently asked questions

Doesn't my property policy cover this?

Most property policies exclude mechanical and electrical breakdown. Equipment breakdown coverage fills that specific gap. We'll confirm what your policy excludes.

Is spoiled stock covered?

Yes — if a covered breakdown spoils perishable inventory, such as a refrigeration failure, this coverage can pay for it.

What equipment is included?

From HVAC and electrical systems to production machinery and computers. We'll tailor it to the equipment your business relies on.