Breakdown Insurance

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Protect essential equipment and systems.

Equipment breakdown insurance helps cover the costs associated with the repair or replacement of essential equipment for your business (and in certain cases, your home). Equipment can include things like computers, refrigeration units, machinery and more. Normally, equipment breakdown is not covered by standard property coverage and repairs or replacements due to electrical or mechanical breakdown can be expensive. This coverage can reduce the financial burden if your essential equipment fails in this way. Partner with Rogers for industry-leading expertise in commercial insurance, competitive rates, and exceptional customer service.

Contact us today for an equipment breakdown insurance quote or read on to learn about this coverage.

What does Equipment Breakdown Insurance Cover?

For businesses, equipment breakdown insurance helps cover repairs or replacement to your equipment caused by a mechanical or electrical failure. It also often includes business interruption coverage, which helps cover your lost income while you wait. It can also include coverage for spoilt inventory.

For homes, equipment breakdown insurance helps cover repairs or replacement to your home appliances and systems caused by mechanical or electrical breakdown.

Equipment breakdown insurance policies offer coverage for the following categories of equipment and machinery:

Air conditioners

Production systems.

Heating, refrigeration, & ventilation systems.

Pressure equipment & boilers.

Alternative and/or renewable energy systems.

Electrical equipment, including electrical panels, cables and transformers.

Communication systems including computer systems, security systems, voice mail and phone systems, and fire alarm systems.

Mechanical equipment, including machinery like engines, motors, elevators, water pumps, generators and other manufacturing or specialized production equipment.

Each equipment breakdown insurance policy will vary concerning what can be covered. Your equipment breakdown insurance broker can help you find a policy that works for your needs.

Let’s use the example of a restaurant that served a large number of customers each day. The power goes out for over a day, and you’re unable to operate. When it turns back on, there’s a power surge that wrecks your refrigeration system. Because of this, you have no way to refrigerate your essentials and have also lost all the existing inventory. You can’t operate until you get this system back up and running!

Equipment breakdown insurance could help you cover:

  • The spoilt food
  • Repair or replacement costs for the refrigeration system and any other insured equipment that had been damaged
  • Lost income during the time the refrigeration system was being repaired

Another example could be with your home. Imagine – it’s the middle of summer and your air conditioner is working overtime. Unfortunately, it breaks down and you know you’d struggle to afford the expense of a new unit. Luckily, your equipment breakdown insurance helps you cover the costs of replacing this essential system during the heat of summer.

Talk to one of our equipment breakdown insurance brokers to discuss your coverage options and what’s available for your business or home.

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What’s the difference between Equipment Breakdown Insurance and Property Damage Coverage?

Property damage insurance covers repairs and replacement of your personal or business property, but only if it’s damaged or destroyed by certain things such as fire. It doesn’t cover breakdowns.

Equipment breakdown insurance specifically protects you if the equipment suddenly and accidentally breaks down thanks to:

  • Pressure buildup or explosion
  • Mechanical breakdown, bursting, or rupture
  • Electrical arcing or surges

The above would not generally be covered by property insurance. Generally, you specify what equipment you want to be covered by this special protection.

Equipment Breakdown Insurance with Rogers

Rogers Insurance has been a trusted equipment breakdown insurance broker for decades. Since 1977, we’ve been helping business and homeowners protect what matters most. As a leading independent insurance brokerage, we have access to a large number of markets which means we can offer you truly competitive equipment breakdown insurance quotes and a choice in your coverage. We work for you – not an insurance company.

Our equipment insurance brokers are experienced and professional. We believe in a hands-on, human-first approach to insurance and you’ll notice a difference. We can help you determine your insurance needs, take care of the research and price shopping for you, balance your coverage with your budget, and advise on the best value for your money. We are your insurance and risk management resource, as well as your claims advocate.

Learn more or request an equipment breakdown insurance quote online, by phone, or in-person at one of our locations.

Start a conversation with one of our expert brokers today to determine the right coverage for your assets.

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We’re here to help if you’ve been affected by the wildfire near Fort McMurray.

Contact us at 1.866.910.3770 if you have questions about your policy or need to make a claim. Learn more about staying safe during a wildfire and making an insurance claim here.