What Insurance Covers Equipment Breakdown?
Equipment-breakdown coverage may cover physical damage from a defined mechanical or electrical accident; wear and gradual deterioration may be excluded.
Repair costs, lost income, extra expense, and spoilage can each have separate limits.
Check covered equipment, accident definitions, deductibles, and income or spoilage limits. Confirm that critical machinery appears on the schedule.
Coverage Guides Related to Commercial Property Insurance
Sources for Commercial Property Insurance Answers
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Property; Inland Marine; Boiler and Machinery. Accessed 2026-09-25.
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Boiler & Machinery or Equipment Breakdown & Machinery. Accessed 2026-09-25.
- HSB TechAdvantage Equipment Breakdown Coverage Form. The Hartford Steam Boiler Inspection and Insurance Company; A.1–2 pp.1–6; C pp.8–9; D pp.9–10; G.1 p.17. Accessed 2026-09-25.