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Equipment Breakdown Insurance from Cal-Nevada Insurance Agency

Business insurance typically covers damage to equipment from fire, windstorms, vandalism and theft, but it usually won’t pay for losses involving mechanical breakdown, motor burnout, electrical surges, boiler malfunctions or the collapse of pressurized tanks or containers. For losses from those occurrences, you need equipment breakdown insurance.

At Cal-Nevada Insurance Agency, we provide our business insurance clients throughout San Francisco and the northern California, Arizona and Las Vegas, Nevada areas with several options for equipment breakdown insurance.

Coverage Options

Equipment breakdown insurance is available as a stand-alone product to cover:

  • repair or replacement costs
  • lost business income, temporary replacement equipment
  • products that spoil due to the breakdown
  • business recovery expenses

Sometimes it is included in a business owners policy, which is a bundle of coverages combined into one policy for a specific industry.

The variety of machinery normally covered by an equipment breakdown policy is broad, but the list includes refrigerators, manufacturing or production lines, computers and robotics, telecommunications, ovens, people movers, equipment lifts, diagnostic equipment and much more.

Some insurers add maintenance programs for covered equipment as an optional service in their policies, and many offer risk management programs that help reduce the likelihood of a breakdown.

Don’t let equipment breakdown stall your operations.

For further information or to schedule a meeting with an advisor, contact us at (866) 670-5948, or e-mail us at