Virtually every business, institution and public entity depends on equipment to keep operations going and income
flowing. Today, equipment breakdown is a greater and more common risk. Most equipment now contains sensitive
and fragile technology that is easily damaged. More equipment is mission critical so breakdowns bring operations –
and income – to a halt. And increased system complexity and interdependency mean a breakdown elsewhere can
impact you.

Yet standard property insurance excludes the risks unique to equipment. Your property/casualty policy only covers
damage to your equipment from "external" causes, such as a fire, a flood or a tree falling on your roof. The policy
does not cover damage from "internal" causes, such as mechanical failure, electrical short circuit or "arcing" (faulty
wiring or motor burnout). All businesses need equipment breakdown insurance.

As always, we highly recommend that you sit down with one of our experienced account executives to discuss
your specific needs, after which we will provide a detailed insurance strategy and quote for your
business.

The abbreviated outlines of
coverages used throughout
this website are not intended
to express any legal opinion
as to the nature of coverage.
They are only visuals to a
basic understanding of
coverages. Please read your
policy for specific details of
coverages.

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