With Commerical Equipment Breakdown Insurance, you can have peace of mind and rest easy.

Whether you are a restaurant or a hotel owner, we have your equipment breakdown exposures covered.

Everything breaks down eventually. No business can afford an unexpected loss from the breakdown of the mechanical and electrical equipment it relies on daily. Systems you rely on, like your water heater, air conditioner, refrigerator and electrical switchgear are susceptible to mechanical and electrical failures. If you’re not protected, repairing or replacing this critical equipment can cost a fortune.

Commercial Equipment Breakdown Coverage covers a range of potential exposures and gets your business ahead of the unexpected. Contact your Rural Mutual Insurance agent to learn more!

Commercial Equipment Breakdown

Rural Mutual - Meeting Your Equipment Breakdown Needs

What is covered and how to prevent loss?

Visit our Equipment Breakdown page to learn about the different types of equipment breakdowns and their coverage.

If it uses electric power, it is most likely subject to equipment breakdown.

Electrical breakdown contributes to more than 60% of all equipment breakdown losses with a large majority of those losses being caused by electrical power surge.

Often this equipment requires sophisticated diagnostic tools and skilled technicians to oversee a potential repair. Equipment Breakdown coverage protects you against unexpected repair or replacement costs due to an electrical, mechanical, or pressure systems breakdown.

Commercial Equipment Breakdown Examples:

  • Dry Cleaner
    A low-water condition within a boiler led to an overheating event. Due to the extent of damage, the boiler was replaced. During the week without hot water, the dry cleaning company sub-contracted out their work.Property Damage: $13,800     Extra Expense: $2,300
  • Restaurant
    The control board supporting the forced air system shorted. Without heat, the restaurant closed until repairs could be completed.Property Damage: $1,200     Business Interruption: $9,200

These are only a couple examples of losses small and medium-size businesses can suffer due to equipment breakdown.  Talk to your Local Rural Mutual Insurance agent for help with identifying your risks for such losses.