Essential equipment
Identify mechanical and electrical systems your business relies on.
BUSINESS INSURANCE
Equipment Breakdown Insurance in Massachusetts
Heating systems, refrigeration and production equipment can be essential to your operations. Cushman helps businesses review coverage for eligible breakdown events and understand how it differs from ordinary property insurance.
What to review
Repair and replacement
Discuss covered breakdown events, deductibles and the conditions for repairing or replacing equipment.
Related losses
Ask about available business income, spoilage and extra expense coverage following a covered breakdown.
Coverage descriptions are general. Availability, eligibility, limits, deductibles and exclusions vary by insurer and policy. Coverage is not bound, changed or cancelled until confirmed by our office.
A USEFUL STARTING POINT
What to bring to the conversation
- Equipment list and maintenance details
- Dependency on refrigeration or production systems
- Property and business income coverage
Equipment Breakdown Insurance: common questions
Does this pay for routine maintenance?
Equipment breakdown insurance is not a maintenance plan. Wear, deterioration and other exclusions need careful review.
Is equipment breakdown automatically in my property policy?
Check the policy. It may be separate or added by endorsement, and coverage limits and terms can vary.
Independent advice, close to home.
Cushman Insurance Group has served local families and businesses since 1922. Our family of agencies includes Cushman, Ora Andrews, T. Robert Sullivan and Bergeron. We help you compare available insurance options and understand the limits, deductibles and exclusions before making a decision.
Find our teams in Brockton, Halifax, Lakeville, Norton, South Attleboro and New Bedford, with T. Robert Sullivan serving clients from its Swampscott mailing location. See office details and hours.
LOCAL PEOPLE. PERSONAL GUIDANCE.
Let’s review it together.
Talk with our team about your priorities, your current coverage and what is changing.