Manufacturing Insurance
Equipment Breakdown Insurance
for Manufacturing
When a production line goes down due to equipment failure, every hour costs money. Equipment breakdown coverage pays for sudden mechanical or electrical failure of machinery, including the associated production downtime — keeping repair costs and lost revenue from becoming a catastrophic event.
Industry-Specific Insight
Why Manufacturing Businesses Need Equipment Breakdown Insurance
When a production line goes down due to equipment failure, every hour costs money. Equipment breakdown coverage pays for sudden mechanical or electrical failure of machinery, including the associated production downtime — keeping repair costs and lost revenue from becoming a catastrophic event.
Coverage Details
What Equipment Breakdown Insurance Covers
Key protections included in a equipment breakdown policy for manufacturing operations.
FAQs
Common Questions from Manufacturing Businesses
Does equipment breakdown cover CNC machines and production equipment?
Yes. CNC machines, presses, conveyors, boilers, and other production equipment can be covered under equipment breakdown for sudden mechanical or electrical failure.
Is business interruption included in equipment breakdown?
Many equipment breakdown policies include a business interruption extension that pays for lost income and extra expenses while covered equipment is being repaired.
Isn't equipment breakdown covered by commercial property?
Standard commercial property policies cover damage from external causes — fire, storm, theft. They typically exclude mechanical or electrical breakdown from internal failure. Equipment breakdown coverage specifically addresses that internal failure scenario.
Does this cover normal wear and tear?
No — equipment breakdown covers sudden and accidental failure, not gradual deterioration or wear and tear. Routine maintenance issues and end-of-life breakdowns are generally excluded.
Complete Coverage
Other Coverages Manufacturing Businesses Commonly Need
A complete protection plan for manufacturing operations typically includes several complementary coverages.
Manufacturing · Equipment Breakdown
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