Machinery Breakdown Insurance is designed to cover certain sudden and unforeseen breakdowns of business machinery and equipment.

It can be arranged as part of a Business Insurance package or through other commercial insurance arrangements.

Why is Machinery Breakdown Insurance different from Property Insurance? #

Standard Property Insurance commonly responds to insured external events such as:

• Fire.
• Storm.
• Impact.
• Other specified physical damage.

It may not cover an internal mechanical or electrical breakdown.

Machinery Breakdown Insurance is designed specifically for certain internal equipment failures.

What machinery can be insured? #

Depending on the policy, equipment can include:

• Air-conditioning systems.
• Boilers.
• Ovens.
• Refrigeration equipment.
• Pumps.
• Compressors.
• Production machinery.
• Electrical machinery.
• Pressure vessels.
• Other mechanical equipment.

Who can need the cover? #

It can be relevant to businesses that rely heavily on machinery to operate, including:

• Manufacturers.
• Hospitality businesses.
• Food businesses.
• Workshops.
• Warehouses.
• Commercial property owners.
• Medical or specialist facilities.

The importance of the cover increases where one machine failure could materially disrupt operations.