What is Machinery Breakdown Insurance?
Machinery Breakdown Insurance provides essential protection for your business equipment against unexpected mechanical or electrical failures. Whether you're in construction, manufacturing, agriculture, or logistics, this coverage ensures your machinery is repaired or replaced without heavy financial strain.
This type of insurance is designed to cover sudden and accidental breakdowns that disrupt your operations—offering financial support when critical machinery stops working due to internal defects or malfunction. Unlike standard property insurance, it specifically focuses on internal mechanical issues, providing a safety net for your business continuity.
From compressors and generators to forklifts and production lines, machinery-breakdown insurance helps keep your business running even when things go wrong behind the scenes.
Machinery Breakdown Insurance Coverage
Our policies cover damage from:
- Mechanical failure and electrical burnout
- Sudden internal breakdowns
- Loss of profits due to downtime (machinery breakdown business interruption insurance)
Benefits of Machinery Breakdown Insurance
1. Reduce Unexpected Repair Costs
Equipment repairs and replacements can cost thousands. Avoid large out-of-pocket expenses.
2. Maintain Business Continuity
Protect your operations with machinery breakdown business interruption insurance to cover income losses.
3. Customised Coverage
We can arrange machinery breakdown insurance solutions for equipment unique to your industry.
4. Flexible Add-Ons
Choose optional coverage for:
- Refrigerant consumables
- Temperature-controlled stock deterioration
- Hired-in machinery and leased equipment
Industries We Support
Construction
Manufacturing
Agriculture
Logistics
Mining & Energy
Common Machinery Breakdown Insurance Exclusions
While these policies are robust, they typically do not cover:
- Wear and tear (belts, filters, hoses)
- Manufacturer defects or warranty-covered issues
- Rust, corrosion, or chemical damage
- Damage from intentional overload or misuse
- Testing and commissioning-related failures
Need Help Choosing the Right Policy?
Whether you’re searching for insurance for machinery breakdown or trying to understand machinery breakdown insurance exclusions, our team of expert brokers is ready to assist.
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FAQs – Machinery Breakdown Insurance Explained
What does machinery breakdown insurance cover?
It covers mechanical or electrical breakdown and loss of income due to equipment failure.
What is machinery breakdown insurance used for?
It’s used to financially protect businesses from the costs of repairing or replacing damaged machinery, and the income loss caused by that downtime.
Is machinery breakdown insurance different from equipment breakdown?
In many cases, the terms are interchangeable. However, boiler and machinery insurance vs equipment breakdown policies may differ slightly in scope, depending on your insurer and equipment type.
Who needs machinery breakdown insurance?
Any business that relies on machinery—whether it’s for construction, farming, transport, or manufacturing—should consider insurance for machinery breakdown.
Can this insurance cover electronic components?
Yes. You can opt for machinery and electronic breakdown insurance that protects digital systems connected to your machinery.
Does it include business interruption coverage?
Yes, we can arrange machinery breakdown business interruption insurance that helps recover lost revenue when critical machinery fails.
Are there flexible policy options?
Absolutely. We customise your machinery breakdown insurance policy to align with your equipment value, type, and operational risk.
What are the benefits of machinery breakdown insurance?
It prevents financial loss, supports business continuity, and offers peace of mind through tailored protection.