Boiler & Machinery Coverage

Boiler & Machinery coverage– also known as equipment breakdown insurance — fills in the gaps in standard commercial property policies. Boiler & Machinery coverage provides protection against the mechanical breakdown of boilers, heating/refrigeration systems, mechanical equipment and computers & communication equipment. Any businesses with machinery and equipment exposures need boiler & machinery coverage including light manufacturers, pharmaceutical companies, heavy manufacturing companies, chemical companies and utilities.

What is covered under Boiler & Machinery coverage:

  • Property Damage
  • Off-Premises property damage
  • Business income
  • Contingent business income
  • Extra expense
  • Service interruption
  • Perishable goods
  • Demolition
  • Ordinance or law
  • Expediting expenses
  • Hazardous substances
  • Data restoration
  • Newly acquired locations
  • Errors and omissions
  • Brand and labels
  • Waive of in-use restriction


With the advances in technology, the chance of an equipment breakdown is greater today compared to years past. To protect you business from potential risks, Boiler & Machinery coverage should be a part of your business insurance package. Contact us today to learn more about Boiler & Machinery Coverage and commercial insurance options for your business.