Equipment breakdown insurance provides coverage to repair or replace damaged or broken equipment due to mechanical or electrical failure. It includes coverage for unexpected events such as a short circuit, power surge or loss of air pressure or vacuum.

How do you get equipment breakdown coverage?

Equipment breakdown coverage can be added to a business insurance policy, commercial property insurance, or home insurance policy.

When is equipment not covered?

Coverage typically does not cover equipment damage due to issues such as age, wear or tear, defects, pest damage, or mold.

What equipment is covered by equipment breakdown insurance?

A variety of equipment can be included in equipment breakdown insurance, including:

• Computers
• Telephones
• Security systems
• Heating and ventilation systems
• Sump pumps
• Manufacturing equipment