Commercial Insurance
Equipment Breakdown Insurance
Equipment breakdown insurance — sometimes called boiler and machinery or mechanical breakdown coverage — protects your business when mechanical, electrical, or pressure equipment fails suddenly and unexpectedly. From a commercial kitchen unit that stops working to a compressor that fails on the production floor, the cost of repairing or replacing essential equipment can be substantial, and the resulting business disruption can compound the loss. Equipment breakdown coverage fills a gap that standard commercial property policies typically don't address.
What Equipment Breakdown Insurance Can Help With
Coverage options vary by carrier and situation. A licensed agent can explain what applies to your specific needs.
Repair or replacement of mechanical and electrical equipment that breaks down unexpectedly
Refrigeration equipment and the spoilage losses that result from a breakdown
HVAC systems, boilers, pressure vessels, and compressors
Production machinery and manufacturing equipment critical to your operations
Business interruption losses caused by equipment breakdown downtime
Computer systems, servers, and electrical equipment used in your business
Who Often Explores Equipment Breakdown Coverage
Every situation is unique — a licensed agent can help you decide whether this coverage makes sense for you.
Restaurants, food retailers, and cold storage businesses with refrigeration equipment
Manufacturers and fabricators relying on production equipment
Medical and dental offices with diagnostic and treatment equipment
Office-based businesses with servers, phone systems, and IT infrastructure
Any business where equipment failure could halt operations and generate significant losses
Frequently Asked Questions
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Coverage options vary by carrier and state. A licensed agent can explain details and availability.
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