Coverage · Equipment Breakdown
Equipment breakdown for the machines that run production.
Covers sudden mechanical and electrical breakdown of equipment such as CNC machines, compressors, HVAC and electrical systems, which standard property policies typically exclude.
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Equipment Breakdown
What it covers.
Property insurance covers fire and theft, but usually not a machine that fails on its own. Equipment breakdown fills that gap, paying for repair or replacement and the income lost while the equipment is down.
For precision manufacturers and test facilities, one failed machine can stop a production line. We make sure that exposure is covered.
Typically covers
- Sudden mechanical and electrical breakdown
- Repair or replacement of the damaged equipment
- Spoilage of temperature-sensitive materials
- Business income lost during the outage
What we check
- Production and test equipment, not just building systems
- Expediting costs for long-lead parts
- Computer and electronic equipment
- Inspection and maintenance conditions
By sector
How it applies to your sector.
Defense & Government Contractors
CNC and precision machining equipment.
Firearms & Ammunition
Production machinery and test-fire equipment.
Unmanned Systems & Counter-UAS
Test rigs and production equipment.
Communications & Space
RF test equipment and production lines.
Defense Software & Cyber
Servers and on-premises computing equipment.
Common questions
Questions we hear about this coverage.
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Usually not. Property policies typically exclude mechanical and electrical breakdown. Equipment breakdown is added to fill that gap.
No. It covers sudden and accidental breakdown, not gradual wear or a lack of maintenance.
Electronic and computer equipment can be included. Tell us what you run and we will confirm.