When the systems you rely on stop, your business shouldn’t.
Every business depends on equipment — whether that’s the walk-in cooler in a restaurant, the electrical panel in a retail shop, the compressor in a garage, or the server rack in a tech firm. When those systems fail, so does productivity, cash flow, and customer trust.
Equipment Breakdown Insurance (sometimes called boiler and machinery coverage) helps protect against the sudden and accidental breakdown of electrical, mechanical, and pressure systems that keep your business running.
Why It Matters
Most commercial property policies cover external perils like fire or storm damage — but not internal mechanical or electrical breakdowns. Equipment breakdown fills that gap, paying for repairs, replacements, and lost income caused by system failure.
At Horizon Insurance Services, we help businesses across Ohio protect what keeps them operating every day:
- Heating, cooling, and refrigeration systems
- Electrical and computer equipment
- Manufacturing and production machinery
- Boilers and pressure vessels
- Point-of-sale systems and payment networks
- Communications and technology infrastructure
- Critical contractor tools, compressors, and powered shop equipment
Common Examples of Covered Losses
- Power surge that fries a walk-in cooler or server
- Short circuit that damages electrical systems
- Boiler explosion or pressure system rupture
- Equipment motor burnout or compressor failure
- Operator error that causes sudden mechanical breakdown
What’s Not Automatically Covered
Equipment breakdown coverage does not protect against normal wear and tear, manufacturer defects, or gradual deterioration. It’s designed for sudden and accidental internal damage — the kind of failure that stops operations cold.
That’s why it’s often paired with:
- Commercial Property Insurance – For external damage like fire or wind
- Business Income Insurance – To replace lost revenue during downtime
- Spoilage Coverage – for restaurants and food-service businesses
- Contractor’s Equipment Coverage – for tools and mobile machinery
- Cyber Coverage – for technology-related interruptions
Ready to Keep Your Business Running Smoothly?
Let’s make sure your next equipment failure doesn’t become a financial one.
✅ Review your current property policy
✅ Identify hidden coverage gaps
✅ Compare multiple carriers
✅ Find cost-effective protection for your operation
Serving Columbus, Dublin, Worthington, Grandview, Short North, Clintonville, Hilliard, Upper Arlington, New Albany — plus Cleveland, Cincinnati, Dayton, Toledo, and beyond.
Equipment Breakdown FAQs
Who needs equipment breakdown insurance?
Nearly every business. Restaurants, landscapers, garages, retailers, contractors, offices, and manufacturers all rely on powered systems that can fail unexpectedly.
Doesn’t my property insurance already cover this?
No. Property insurance covers external losses (like fire or wind). Equipment breakdown covers internal causes — like electrical short circuits, pressure explosions, or mechanical failure.
What does it actually pay for?
Repairs or replacement of the damaged equipment, lost income during downtime, spoiled goods, and even temporary rentals or expedited shipping costs to get you running again.
Is this just for heavy industrial operations?
Not at all. Modern businesses rely on equipment — HVAC, point-of-sale systems, computers, and even coffee machines. If it powers your operation, it’s worth protecting.
Can I add this to my existing policy?
Yes. Many carriers offer it as an endorsement or part of a business owner’s policy (BOP). We’ll help tailor it to fit your specific operation and budget.
How much does it cost?
Usually far less than a single repair or spoiled inventory loss. Premiums vary by business type, size, and systems insured — we shop multiple carriers to find the right fit.
