Business Insurance
Equipment Breakdown
Mechanical and electrical failure that property policies exclude.
Commercial property covers damage from outside events — fire, storm, theft. It generally excludes the equipment simply failing. Equipment breakdown fills that gap.
It applies to more than heavy machinery: boilers, HVAC, refrigeration, electrical panels, and increasingly the computer systems a business depends on.
Who usually needs it
Restaurants, manufacturers, medical practices, grocers, property owners — anyone whose trading stops when a machine does.
Not sure whether you need this?
Tell us what your business does and we will tell you straight which coverages actually apply — and which you can skip.
Or call (503) 667-2820