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What Is Equipment Breakdown?
Equipment Breakdown insurance helps pay for sudden, accidental failure of critical business equipment, like HVAC, refrigeration, boilers, electrical panels, and production machinery. It covers repair or replacement costs that property insurance often does not.
What Does Equipment Breakdown Cover?
It can cover damage from mechanical or electrical breakdown, power surges, motor burnout, and pressure system failure, plus related costs like expedited shipping, temporary equipment, and lost income, depending on the policy.
A power surge fries your refrigeration system
Your HVAC fails during peak season
A boiler or pressure vessel suffers a sudden rupture
Key Features of Equipment Breakdown
Built for internal failures, not external damage
This coverage is designed for breakdowns that start inside the equipment, like electrical arcing, mechanical failure, or pressure system malfunction. That is the gap many businesses discover after a claim under standard property coverage.
Helps with the ripple effects of a breakdown
Many policies can include business income loss and extra expense when a covered failure forces you to slow down or stop. That can matter as much as the repair bill when a key system goes offline.
Flexible protection for modern, tech-heavy operations
From circuit boards and control panels to specialized machinery, Equipment Breakdown can be tailored to the equipment you rely on. It is especially valuable when replacement parts and skilled labor are expensive or delayed.
Equipment Breakdown Made Simple
Everything you need to know about this coverage, from basic definitions to real-world application scenarios.
