equipment breakdown insurance

Equipment Breakdown Coverage

When your equipment suffers damage or other loss, you need to have it repaired or replaced as soon as possible to keep your business running.  This can be a serious unexpected expense.   Your Business Insurance can include Equipment Breakdown coverage to reimburse you for these expenses.  Call us today for a review of your coverage!



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What is Equipment Breakdown Insurance?

It pays expenses to limit loss, speed repairs and business recovery. It can even include the cost of spoiled products or materials. Most standard property policies exclude this coverage. It includes damage caused by:

  • Short Circuit Electrical Arching
  • Mechanical Breakdown
  • Power Surges
  • Boiler Damage
  • Motor Burnout
  • Operator Error

ElectricaI Distribution Systems

Lost power often means lost income and customers. A short circuit in one part of an electrical distribution system can easily spread to other parts because panels, circuit breakers and cables are interconnected. A loose connection, dust or high humidity is all it takes.

Heating and Cooling Systems

equipment breakdown insuranceHeating and cooling are essential to customer comfort and employee productivity. Yet HVAC failures are common and boilers and pressure vessels that distribute heat and hot water are vulnerable. Income is often lost while this equipment is repaired or replaced - at significant cost.

Telephone Systems

When the phones go down, so does a business. Phone circuitry is easily affected by voltage spikes, heat, vibration and moisture. It doesn't take much.


Today, what business doesn't depend on computers? Yet the highly sensitive and fragile technology computers rely on is highly susceptible to damage.


What costs more, refrigeration system repairs or the damaged perishables? Add replacement refrigerant to the equation and the expenses escalate.

We provide equipment breakdown insurance to clients in Miami and South Florida.  Contact us to learn more about the right equipment breakdown insurance for your business.

The above summary is not a policy and is only intended as a brief presentation of available coverages.  The actual insurance policy will provided full details of all benefits, conditions and exclusions.