Equipment breakdown coverage, also known as mechanical breakdown, provides financial protection in the event that essential machinery for the operation of a business or property suffers unexpected damages.

This endorsement can include: appliance breakdown insurance, boiler and machinery insurance, coverage for HVAC systems, electric generators, refrigeration systems, industrial production equipment, among others.

Breakdown coverage helps with the costs of repairing or replacing the instrument, as well as related additional expenses, such as loss of income due to business interruption or the costs of renting temporary replacement tools.

It is important to note that this protection is not included in standard property insurance policies and is usually added as an additional.