Equipment Breakdown


Protecting Your Business Against Equipment Breakdown

No matter the size or type of business you own, your equipment and technology help keep your operation running. Without fully functioning equipment, how would your business fare financially? While standard property insurance protects you against external causes of loss, such as fire, losses resulting from equipment failure—such as a short circuit or power surge—may not be covered. Liberty Mutual Insurance offers packaged or stand-alone equipment breakdown coverage for these types of losses.  

Types of equipment covered include:

  • Boilers
  • Computers and telecommunications systems
  • Diagnostic equipment
  • Mechanical and electrical equipment
  • Pressure vessels
  • Production machinery
  • Refrigeration and air-conditioning equipment

Coverage Options

Equipment breakdown insurance can cover more than the cost to repair or replace your equipment. It can cover lost income if you need to temporarily shut down, the extra expenses needed to continue running your business while equipment is being fixed, or the lost value of spoiled or contaminated products. It can even cover losses and expenses your business may incur if normal operations are interrupted by an off-site equipment-related failure.

Dedicated Support for Complex Programs

If your business has more complex needs, our dedicated team that focuses on equipment breakdown underwriting, risk engineering, and claims can help ensure you have the right coverage and services.

You can also benefit from on-site visits with our in-house, risk engineering consultants, who provide assistance in meeting your jurisdictional obligations and offer recommendations to safeguard your equipment and property against risks.

Learn More

Find an independent agent or contact your broker to find out more about securing equipment breakdown protection for your business.


This is a general description of coverages. Not all coverages are available in all states. Contact an independent agent or your broker for policy terms, conditions, and exclusions.


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