Does Builders Risk Cover Mechanical Breakdown?

Generally no for ordinary mechanical breakdown. The cited ISO form excludes it but has a limited testing provision, so check whether your system is covered during commissioning or startup. That testing grant applies to covered property at the jobsite and is subject to the form’s requirements and limit. A boiler or installed system can be property within the project and still have breakdown damage excluded. Check the definition of covered equipment, testing phase, limit, and any equipment-breakdown endorsement. Confirm whether the policy applies during startup, hot testing, commissioning, or after handover. For an operating building, equipment breakdown coverage may be available under a separate policy or endorsement; it can be distinct from the narrow construction-testing provision. Ask whether damage occurred during testing, startup, or normal operation, and which machines qualify as covered equipment. Compare the breakdown limit, deductible, resulting-damage treatment, and date the builders risk protection ends.