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Equipment Breakdown Insurance helps cover:
Mechanical includes motors, engines, generators, elevators, water pumps, and specialized production and manufacturing equipment.
Electrical, which includes transformers, electrical panels, and cables.
Computers and communications include phones, voice mail, security, and fire alarm systems.
Air conditioners and refrigeration systems
Boilers & pressure equipment
Equipment breakdown insurance is smart to have – even if you don't own your building, and especially if the success of your business is dependent upon properly-functioning equipment owned and operated by a key supplier, such as a local power company.
For example, if you own a pizza shop that depends on online orders and walk-in customers, your business will suffer if the power goes out due to a power surge. A power outage could result in loss of heat or air, the inability to process online orders, and the inability to prepare, cook, serve and sell food. And if the power is out long enough, your food inventory could spoil.
In this example, equipment breakdown insurance may help pay for:
If your business could suffer from an equipment breakdown, this optional coverage may be a good choice. Our team can help you understand your policy's coverage and whether your business may benefit from additional protections such as equipment breakdown coverage.