Equipment Breakdown Insurance
Commercial property insurance covers fire, wind and theft, but not a motor that burns out or a power surge that fries your equipment. Equipment breakdown coverage fills that gap. It pays for repair or replacement of equipment that suddenly breaks down, plus the business income and spoilage that follow. Pacific Southwest Insurance Services can add it to most property policies.
Get a free quote today. Call (818) 701-1033 or email info@pswinsurance.com. Office hours are Monday to Friday, 9:30 AM to 5:00 PM.
Who We Insure
Our equipment breakdown clients include:
- Restaurants and food businesses
- Medical and dental offices
- Manufacturers
- Apartment and office buildings
- Retail stores
- Any business that depends on equipment
Coverage Options
- Mechanical breakdown: Covers sudden failure of motors, compressors and pumps.
- Electrical damage: Covers power surges, arcing and short circuits.
- Boilers and pressure equipment: Covers boilers, water heaters and pressure vessels.
- Computers and electronics: Covers servers, POS systems and communication equipment.
- Spoilage: Covers perishable goods lost to equipment failure.
- Business income: Covers lost income while equipment is repaired.
What Affects Your Premium
Every property is different. Carriers typically look at:
- Types and values of equipment
- Maintenance programs
- Age of equipment
- Building systems (HVAC, elevators, boilers)
- Surge protection
- Industry
As an independent agency, we compare options from multiple insurance companies to find the right coverage at a competitive price.
Why Choose Pacific Southwest Insurance Services
- Family-owned and serving California since 1965, now writing coverage nationwide
- Access to multiple commercial property carriers, including markets for hard-to-place risks
- Fast certificates of insurance and lender evidence of property
- One agency for your property, general liability, commercial auto, bonds and more
- A real person answers the phone and knows your account
Common Claims We See
- HVAC compressor failure: Compressors are among the most expensive breakdowns.
- Power surges: Surges damage electronics and control panels.
- Boiler and water heater failure: Breakdowns can cause water damage.
- Refrigeration breakdown: Failures spoil food and inventory.
Tips to Prevent Equipment Breakdowns
- Use surge protection on sensitive equipment.
- Follow maintenance schedules for HVAC and refrigeration.
- Keep a list of equipment and its value.
Frequently Asked Questions
Isn’t equipment breakdown covered by my property policy?
No. Property policies exclude mechanical and electrical breakdown.
Is it expensive?
It’s usually an affordable add-on to a commercial property policy.
Does it cover wear and tear?
No. It covers sudden accidental breakdown, not gradual wear or lack of maintenance.
Does equipment breakdown cover lost income?
It can. Business income can be included so you’re paid while equipment is repaired.
Is my computer equipment covered?
Yes. Electrical breakdown and power surges to computers and electronics can be covered.
Other Properties We Insure
- Office Building Insurance
- Retail Store & Strip Center Insurance
- Apartment Building Insurance
- Warehouse & Distribution Center Insurance
- Industrial & Manufacturing Building Insurance
- Mixed-Use Building Insurance
- Medical & Dental Office Insurance
- Self-Storage Facility Insurance
- Vacant Building Insurance
- Builder’s Risk Insurance
- Restaurant & Bar Property Insurance
- Contractor Shop & Yard Insurance
- Auto Repair & Body Shop Insurance
- Hotel & Motel Insurance
- Church & House of Worship Insurance
- Gas Station & Convenience Store Insurance
- Salon, Barbershop & Spa Insurance
- Gym & Fitness Studio Property Insurance
- Daycare & School Insurance
- Dry Cleaner & Laundromat Insurance
- Landlord & Rental Property Insurance
- Business Tenant Insurance
- HOA & Condo Association Insurance
- Commercial Real Estate Investor Insurance
- Commercial Earthquake Insurance
- Business Interruption Insurance
- Commercial Flood Insurance
- Inland Marine & Contractor’s Equipment Insurance
Don’t see your property type? We insure most commercial properties. See all commercial property coverage.
Get an Equipment Breakdown Insurance Quote
Tell us about your property and we’ll shop the market for you. Call (818) 701-1033, email info@pswinsurance.com, or visit our office at 9036 Reseda Blvd., Suite 105, Northridge, CA.
Get a Free Quote
Tell us what you need and a licensed agent will follow up, usually the same business day.