Property insurance covers what happens to equipment. Not what happens inside it.
Equipment breakdown covers mechanical, electrical and pressure-system failures — and the stock spoiled when refrigeration stops — which property policies exclude as an internal cause.
Tell us the situation.
A licensed human replies the same business day — not an auto-responder, and not five producers calling at once. We shop it across our carriers and tell you if the policy you already have is the right one.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
What equipment breakdown businesses actually need.
Mechanical and electrical breakdown
Failure of compressors, motors, panels and HVAC from an internal cause.
Without it — A failed walk-in compressor is excluded by the property policy as wear rather than peril.
Spoilage
Perishable stock lost when refrigeration fails.
Without it — A restaurant loses its entire cold stock overnight with nothing responding.
Business income from breakdown
Lost trading while the equipment is repaired or replaced.
Without it — A kitchen without refrigeration is closed, and the closure is uninsured.
Where equipment breakdown shows up.
- Restaurant
A walk-in compressor that fails from the inside is excluded by the property policy, and the stock inside it goes at the same time.
- Physical Therapy Practices
Modalities and clinic plant fail, and property policies exclude the breakdown itself.
- Chiropractic Practices
Imaging and therapy equipment fails, and property policies exclude the failure itself.
What equipment breakdown operators ask us.
Why does my property policy not cover this?
Because property forms cover external perils — fire, wind, impact — and exclude loss caused by the equipment itself failing internally. That distinction sounds academic until a compressor burns out, at which point it is the whole claim. Equipment breakdown exists specifically to buy back that exclusion.