Equipment Breakdown Coverage

Equipment Breakdown Coverage helps protect your business from the unexpected costs associated with the sudden failure of mechanical, electrical, or pressure systems. Unlike standard property insurance, this coverage focuses on internal breakdowns caused by power surges, motor burnout, operator error, and more.

This type of coverage is critical for businesses that depend on equipment like HVAC systems, refrigeration units, production machines, or electrical panels. A single breakdown could disrupt operations and result in expensive repairs, lost revenue, and even spoiled goods.

Equipment Breakdown Coverage typically pays for repair or replacement costs, business interruption losses, and any necessary temporary solutions needed to keep your business running.

It’s commonly added to Commercial Property or Business Owners Policies as an enhancement, offering peace of mind that you're covered beyond just external events like fire or theft.

Whether you run a restaurant, retail store, medical office, or manufacturing shop, having this protection in place ensures that costly equipment failures don’t derail your business.

Our team can help you understand where your exposure lies and customize Equipment Breakdown Coverage that fits your operations and risk level.