Equipment Breakdown
Help when the machinery that runs the business stops running.
Equipment breakdown coverage may help address covered mechanical or electrical failure of eligible business equipment. It is often reviewed by businesses that depend on machinery, refrigeration, electronics, or specialized systems.
Coverage is subject to policy terms, limits, and exclusions.
Information to Prepare
- • Equipment inventory and values
- • Critical systems and machinery
- • Dependence on specific equipment
- • Maintenance practices
- • Current policies, if any
- • Spoilage or downtime exposure
What This Coverage May Help Address
- Covered mechanical or electrical breakdown
- Certain repair or replacement of failed equipment
- Certain business income loss from a breakdown
- Certain spoilage from a covered equipment failure
Common Scenarios
- A refrigeration system fails and inventory spoils
- Electrical failure damages equipment
- A boiler breakdown halts operations
- A covered failure interrupts production
What May Not Be Included
- ✕ Normal wear and tear and maintenance
- ✕ Liability for third-party injury or damage
- ✕ Employee injury and workplace incidents
- ✕ Damage from excluded causes
Who May Benefit
- Businesses that depend on machinery
- Operations with refrigeration or boilers
- Companies with specialized electronics
- Businesses where equipment failure means downtime
Equipment Breakdown — Frequently Asked Questions
Ready to talk about Equipment Breakdown?
Share how your business operates and start a conversation with a Dallas-Fort Worth commercial insurance professional.
Availability, eligibility, underwriting company, terms, and coverage options vary. Speak with the agency to determine which products may be available for your business.
Some commercial insurance products may be offered by, administered by, or referred to third-party companies that are not affiliated with Texas Business Insurance. Each insurer is solely responsible for the products it issues and its financial obligations.
Protect the Business You've Worked to Build.
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