Coverage basics

Equipment breakdown is a more common and greater risk than ever. Every business, institution and public entity depends on mission critical equipment to keep operations going and income flowing. Most equipment now contains sensitive technology that can be easily damaged, and increased complex system interdependency means a breakdown elsewhere can impact you. Yet, standard property insurance excludes risks unique risks to equipment, so all businesses need equipment breakdown insurance to cover the gaps. Learn more:

Equipment breakdown (formerly called "boiler and machinery") insurance covers many types of equipment. Click on The Simple Seven for a quick overview of the primary types of equipment and risks covered by equipment breakdown insurance.

Equipment is changing. So are the risks. Click on Changing Equipment Risks to review the reasons why equipment breakdown insurance is now essential to every business.

HSB's equipment breakdown insurance covers much more than standard "boiler and machinery" policies. Read Coverage Components for a concise overview of equipment breakdown insurance.