Keep your business running with Cincinnati's machinery and equipment insurance

From water heaters to complex machines, your equipment is critical to your success and your daily reliance on it increases your exposure to equipment breakdown losses. Consider the possibility of repair costs, significant business interruption and the extra expenses you may incur to keep your business running if your equipment suddenly stops operating.  

With Cincinnati’s equipment breakdown coverage, your business is covered for expenses related to repairing or replacing insured equipment that is damaged by an accident or breakdown. Increase your peace of mind by adding coverage to help mitigate the financial impacts of interrupted business operations or an unexpected cost.

Steel factory worker

Equipment Breakdown Coverage Endorsements

Most property policies exclude losses from electrical arcing, power surges, mechanical breakdowns, and steam or turbine explosions. They also exclude indirect losses related to these events. Our EBC endorsements financially protect your building and business personal property from these types of losses. Whether you bundle coverage with a property policy, builders’ risk or an Excess & Surplus lines account, or need a standalone policy, Cincinnati’s EBC endorsements broaden your protection. 

When written as a standalone policy, you can further customize your coverage with deductible options or by adding business interruption, extra expense and spoilage coverages to enhance your insurance protection. We can write equipment breakdown coverage for most businesses regardless of the stage of development they’re in or the type of business.

 

Value-added Services

  • Local, skilled and dedicated field engineers who coordinate and focus on your equipment breakdown coverage and services 
  • Our field engineers are nationally certified boiler and pressure vessel inspectors and can perform your state mandated inspections at no additional charge
  • Infrared thermography scanning capabilities 
  • Industry-specific specialization teams 
  • Customized approach to underwriting 
  • Loss recovery, prevention and contingency planning assistance
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