Coverdash vs HUB International: How Do They Compare for Equipment Breakdown Insurance?

Coverdash markets equipment breakdown to any business relying on HVAC, refrigeration, computers or production equipment, saying it covers failures that standard property policies exclude. Its FAQ names restaurants, offices and manufacturers as examples. ¹Company-reported. Who it's for section and FAQ; illustrative audience, not an exhaustive eligibility list.

HUB targets this coverage at manufacturing companies running equipment that must operate continuously, businesses that process goods using electrical, mechanical, heating or refrigeration equipment at scale, and small businesses protecting equipment such as air conditioners, computers, refrigerators and ovens. ²Company-reported. Product-page target-market description; not a published underwriting appetite.

You request an equipment breakdown quote through Coverdash's online form. Coverdash says a policy can be quoted, bought and managed digitally, and that every policy comes with a dedicated advisor from the first quote through renewal. ¹Company-reported. Why work with Coverdash and the Get a quote call to action; quote speed and advisor availability are company-reported and not independently tested.

HUB directs prospects to "contact a HUB broker to get started" rather than an online quote or bind flow. ²Company-reported. Product-page call to action.

Equipment breakdown coverage includes sudden mechanical breakdown of machinery, electrical damage from power surges and electrical failures, repair or replacement of the failed equipment, and reimbursement for income lost while the equipment is down. ¹Company-reported. Types of Coverage section; subject to exclusions and terms in the policy as issued.

Coverdash's FAQ distinguishes equipment breakdown from commercial property, which it says covers external causes like fire and theft, and from a manufacturer's warranty, which covers defects for a set period. It describes equipment breakdown as covering accidental internal failures, such as motor burnout, over the life of the equipment. ¹Company-reported. FAQ answers on how equipment breakdown differs from property coverage and a warranty.

HUB says the coverage it arranges pays the costs to repair or replace equipment damaged by a sudden, unforeseen breakdown, losses from the resulting downtime, and other property damage caused by the malfunctioning equipment, and lists manufacturing equipment (boilers, generators, engines, HVAC systems, transformers) and office equipment (elevators, computers, copiers, security systems) as typical covered items. ²Company-reported. Product-page coverage description; the issued policy's definitions and exclusions control an actual claim.

HUB describes three coverage options for equipment breakdown: basic, broad, and consequential-damage coverage for losses resulting from equipment failure, plus an Extra Expense component that covers costs to keep operating during a breakdown but excludes loss of income unless combined with business income coverage. ²Company-reported. Product-page coverage-tier description.

Coverdash arranges equipment breakdown coverage as a broker rather than underwriting it, saying it compares quotes from multiple insurers and assigns each policyholder a dedicated advisor. ¹Company-reported. Equipment breakdown product page; describes the brokerage model for this line, not a specific insurer's product.

HUB brokers boiler and machinery (equipment breakdown) insurance, available as a standalone monoline policy or embedded within a client's property policy, rather than underwriting the coverage itself. ²Company-reported. Boiler and machinery product page, read 2026-09-23. The page does not name an issuing insurer.