All Systems Go Plus®

Unlimited* equipment breakdown coverage that’s broader than ever, with Data Compromise and Identity Theft coverage in one affordable, convenient package.

Coverages at a glance

Unlimited | broadest | state-of-the-art

Electronic Circuitry Impairment – adds second cause of loss to the definition of Breakdown

Unlimited* Direct Damage – cost to repair or replace equipment damaged by a covered breakdown or ECI

Unlimited* Business Interruption / Extra Expense – income or extra expense loss due to an interruption resulting from a breakdown

Unlimited* Spoilage – or contamination of food or other perishables following a breakdown; including coverage for perishable goods damaged by service interruption

Unlimited* Service Interruption – extends income and extra expense to breakdown of equipment owned by a supplier contracted to provide a service listed in the policy

Contingent Business Interruption – pays for lost business income and extra expenses when an insured’s cloud service provider experiences an outage due to equipment breakdown, to $25,000

Unlimited* Expediting Expenses – temporary repairs, or expenses incurred to expedite temporary or permanent repairs

Unlimited* By-Laws – additional costs to comply with by-laws, including income and extra expense

Unlimited* Anchor Location – contingent income coverage for loss resulting from a breakdown at a nearby location that draws clients to an insured location

Unlimited* Newly Acquired Locations – loss at newly acquired locations

Hazardous Substances – extra cost to repair or replace covered property contaminated by hazardous substances released due to a breakdown, to $100,000

Errors and Omissions – locations not described in the policy or are inadvertently omitted, to $100,000

Data Restoration – for data that is lost or damaged due to a breakdown, to $25,000

Environmental and Efficiency - pays up to 150% of the loss payable for upgrades to more energy efficient or environmentally friendly equipment

Green Coverage - $25,000 in addition to any applicable coverage under ‘Environmental and Efficiency Improvements’, helping restore recognized environmental standards to equipment and property

Off Premises Transportable Equipment – covers transportable equipment for property damage, business income, extra expense and data restoration, anywhere in Canada and USA, to $10,000

Public Relations – pays for professional public relations services to help manage the insured’s reputation which may be at risk when a breakdown causes a business income loss, to $5,000

Brands and labels – Pays for the cost of removing labels or stamping of salvaged merchandise, to $100,000

Data Compromise (optional) – pays for notification expenses and case management services for individuals affected by a data breach, to $50,000 annual aggregate

Identity Recovery (optional) – coverage for the insured affected by identity theft, to $15,000 annual aggregate

eRiskHub® - insureds who purchase DC/IDR receive free access to eRiskHub.com, a portal providing valuable data risk management tools, content and resources

Added value services

HSB BI&I’s Equipment Breakdown policies also include services to help clients meet local inspection requirements, prevent loss and get back into business if they do experience a breakdown.

Our services include:

Jurisdictional inspections of boilers and pressure vessels, required by some provinces, are a built-in benefit of HSB BI&I’s Equipment Breakdown coverage

Loss prevention services designed to help business owners improve equipment operation and maintenance programs to prevent losses that can impair production or service capabilities

Claim service to help clients more swiftly restore business operations following an equipment breakdown

*There is no limit of insurance applicable to direct damage, spoilage, business interruption / extra expense or service interruption for qualified risks.

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