Machinery Breakdown
Sudden internal failure of plant in operation, at rest or under overhaul, including operator error
Machinery breakdown covers sudden and unforeseen internal damage to plant in operation, at rest, or during cleaning and overhaul. It responds to causes a property policy deliberately leaves out.
- Electrical and mechanical failure, short circuit and vibration
- Operator error, and defects in casting, material or workmanship
- Repair or replacement on an indemnity or reinstatement basis, as agreed
- Optional extension to loss of profits following breakdown
Gradual wear, corrosion, tools that need regular replacement, and faults under manufacturer warranty are excluded. Machines are scheduled individually with capacity, year and value.
From enquiry to cover
We map the risk
A short conversation about what you do and what you own, so the cover matches reality.
We go to the market
We compare wording and limits across insurers, not the premium alone.
You choose, we place
We explain the differences in plain terms, then place the policy you pick.
We run the claim
If something happens, the file is ours to follow through to settlement.
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