Equipment Breakdown Insurance
For the failures property policies exclude.
Not sure if this is the right fit? We'll review your operation and quote it — no obligation.
Standard property coverage excludes mechanical and electrical breakdown. Equipment breakdown fills that gap — covering sudden failures of refrigeration, HVAC, electrical systems, boilers, and production machinery, plus spoiled product and lost income while the repair happens.
What it covers
- Mechanical and electrical breakdown of covered equipment
- Refrigeration and cold storage failure
- Spoiled or contaminated perishable stock
- Business income and extra expense from the outage
- Expediting expenses for emergency repairs
Who it's for
Coolers, packing houses, restaurants, manufacturers, property owners, and anyone whose day stops when a compressor does.
Good questions to ask us
- “Is spoilage covered at market value?”
- “Are production and processing machines scheduled?”
- “How fast is the carrier's emergency service response?”
Businesses like yours also carry
Business Owner's Package
General liability and property bundled at a better rate.
General Liability Insurance
The foundation of nearly every commercial insurance program.
Commercial Building & Property
Covers the building, the contents, and what makes them productive.
Business Interruption
Keeps the lights on when a covered loss stops the work.
Tell us a little about your operation and we'll come back with options — no obligation.
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