Machinery Breakdown insurance covers the sudden, unforeseen physical damage to machinery, such as electrical surges or mechanical failures, paying for repairs or replacement.

Cover is intended for unforeseen failures and does not apply to normal wear and tear, gradual deterioration, corrosion, or lack of maintenance.

Machinery Breakdown Business Interruption covers the loss of gross profits and increased costs of working if a breakdown halts production.

These policies ensure continuity for businesses dependent on specialised equipment.