---
title: "Marsh vs Travelers Equipment Breakdown Insurance"
description: "Travelers underwrites EnergyMax 21 equipment breakdown; Marsh brokers it inside data-center programs."
canonical: "https://spot.insure/compare/marsh-vs-travelers/equipment-breakdown"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/marsh-vs-travelers/equipment-breakdown)

# Marsh vs Travelers Equipment Breakdown Insurance

Travelers underwrites EnergyMax 21 equipment breakdown; Marsh brokers it inside data-center programs.

## Research Scope and Use

Use this comparison to evaluate Marsh and Travelers for Equipment Breakdown Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Travelers issues EnergyMax 21 for boiler, pressure-vessel and business-system breakdowns. Marsh arranges equipment breakdown as one line inside custom data-center insurance programs and does not name an insurer. [9](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage") [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management")

## What Is Marsh?

Marsh is a global insurance broker and risk advisor. In the United States it places coverage through core Marsh teams and through Marsh McLennan Agency for many middle-market buyers, including technology, cyber, property, casualty and benefits programs. [1](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [2](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [3](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [4](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management")

[Marsh profile](https://spot.insure/insurance-providers/marsh)

## What Is Travelers Insurance?

Travelers is a U.S. property-casualty insurance group that markets business coverage, including a technology practice, through independent agents and brokers. Buyers can investigate CyberRisk Tech, a small-business technology-services policy, and other commercial lines, then confirm the issuing company and California availability on a quote. [6](https://www.travelers.com/business-insurance/technology "Technology Insurance") [7](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [8](https://www.travelers.com/contact-us "Contact Us")

[Travelers profile](https://spot.insure/insurance-providers/travelers)

## What Is Equipment Breakdown Insurance?

Equipment breakdown insurance addresses damage from covered mechanical or electrical failures affecting business equipment. [10](https://www.iii.org/article/understanding-commercial-package-policies "Understanding Commercial Package Policies") [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Equipment Breakdown Insurance

### Who Carries the Risk

Travelers underwrites equipment breakdown, mainly through EnergyMax 21, and also offers BoilerRE. Marsh’s technology team arranges the same named exposure inside custom data-center programs and does not describe a Marsh-issued form. The Marsh page does not name an equipment-breakdown insurer; Travelers is the carrier on its own product. [9](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage") [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management")

### What the Described Coverage Responds To

Travelers describes EnergyMax 21 as covering breakdowns of boilers and pressure vessels as well as business and computer systems. Marsh lists equipment breakdown among data-center program exposures next to property damage, business interruption, delay in startup, cyber and general liability, without naming boilers or computer systems as the trigger. [9](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage") [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management")

### Buyer Segment

Travelers markets the coverage to Main Street businesses, real estate, manufacturing, high-tech firms, municipalities, schools and government entities, and says EnergyMax 21 is designed for Fortune 500 companies and small businesses. Marsh names data-center owners and operators as the group facing this risk because of concentrated, sensitive equipment. [9](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage") [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management")

### How You Buy and What Services Attach

You buy Travelers equipment breakdown through an independent agent and can draw on more than 600 Risk Control consultants, a dedicated claim team and IoT risk resources. Marsh placements come with risk-consulting loss studies, including probable-maximum-loss analysis, rather than a published agent network for this line. Neither page publishes limits or deductibles. [9](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage") [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management")

## What to Confirm in Equipment Breakdown Insurance Quotes

- Confirm whether Marsh is quoting a data-center package that includes equipment breakdown or a standalone placement, and which insurer issues it. [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management")
- Ask whether Travelers is quoting EnergyMax 21 or BoilerRE and which equipment schedule each form uses. [9](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage")
- Get limit and deductible numbers from both; neither reviewed page publishes them. [9](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage") [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management")
- Ask how Travelers Risk Control versus Marsh PML studies will inspect boilers, servers and other scheduled equipment. [9](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage") [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management")

## Offering Details

| Criteria | Marsh Equipment Breakdown Insurance | Travelers Equipment Breakdown Insurance Coverage (EnergyMax 21) |
| --- | --- | --- |
| Role in This Line | Marsh's technology and digital infrastructure team arranges equipment breakdown coverage inside custom data center insurance programs. The reviewed page does not describe a standalone product. [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") (Evidence: Company-reported; scope: Data center insurance and risk management page..) | Travelers underwrites equipment breakdown coverage primarily through its EnergyMax 21 package, and offers BoilerRE for businesses at any level of familiarity with the coverage. [9](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage") (Evidence: Company-reported; scope: Product page EnergyMax 21 and BoilerRE sections..) |
| Issuing Insurer | The reviewed page does not name a specific equipment breakdown insurer. [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") (Evidence: Not publicly disclosed; scope: Data center insurance page as read on 2026-09-23..) | Not described in the reviewed sources. |
| Who It’s For | Marsh names equipment breakdown among the main risks facing data center owners and operators, citing asset concentration and high-value, sensitive equipment as reasons a standard property policy can leave gaps for this exposure. [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") (Evidence: Company-reported; scope: Data center insurance page, Understanding your full exposure map section..) | Travelers markets equipment breakdown coverage to Main Street businesses, real estate, small-to-mid-sized and heavy/specialized manufacturing, high-tech businesses, municipalities, schools and government entities, saying EnergyMax 21 is designed for both Fortune 500 companies and small businesses. [9](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage") (Evidence: Company-reported; scope: Product page "Who is equipment breakdown insurance right for?" and EnergyMax 21 sections..) |
| Coverage Features | Marsh lists equipment breakdown among the exposures a data center program can cover, alongside property damage, business interruption, delay in startup, cyber, general liability and some contractual risks. [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") (Evidence: Company-reported; scope: Data center insurance page FAQ; described as one line among several bundled into a data center program, not a standalone equipment breakdown product..) | Travelers describes EnergyMax 21 as covering breakdowns of boilers and pressure vessels as well as sophisticated business and computer systems, calling it a package of coverages for "nearly every equipment loss scenario." [9](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage") (Evidence: Company-reported; scope: Product page EnergyMax 21 section; exact terms and exclusions are set by the issued policy..) |
| Limits and Retentions | Not described in the reviewed sources. | The reviewed page does not publish limits, deductibles or premiums for equipment breakdown coverage; amounts would appear on a quote or declarations. [9](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage") (Evidence: Not found in reviewed sources; scope: Product page as read on 2026-09-23..) |
| Risk Services | Marsh says its risk consulting team performs detailed loss studies, including probable maximum loss (PML) analysis, to help right-size coverage for equipment and other exposures based on site-specific conditions and asset values. [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") (Evidence: Company-reported; scope: Data center insurance page, Right-sizing coverage section; described for data center property and equipment risk generally..) | Travelers says equipment breakdown customers can draw on more than 600 Risk Control consultants, a dedicated Claim team, and Internet of Things (IoT) risk resources. [9](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage") (Evidence: Company-reported; scope: Product page Risk Control, Claim and Internet of Things sections..) |
| How to Apply | Not described in the reviewed sources. | Equipment breakdown coverage is bought through a Travelers independent agent. [9](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage") (Evidence: Company-reported; scope: Product page "Find an insurance agent" call to action..) |

## Full Comparison

- [Marsh vs Travelers](https://spot.insure/compare/marsh-vs-travelers): all coverage lines, business roles, service and claims.
- [What Is Equipment Breakdown Insurance?](https://spot.insure/coverage/equipment-breakdown): Equipment breakdown insurance can help pay for damage from covered electrical or mechanical failures in the systems your business relies on.
- [Marsh vs Travelers Commercial Property Insurance](https://spot.insure/compare/marsh-vs-travelers/commercial-property)
- [Marsh vs Travelers Crime Insurance](https://spot.insure/compare/marsh-vs-travelers/crime)
- [Marsh vs Travelers Cyber Insurance](https://spot.insure/compare/marsh-vs-travelers/cyber)
- [Marsh vs Travelers D&O Insurance](https://spot.insure/compare/marsh-vs-travelers/directors-officers)
- [Marsh vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/marsh-vs-travelers/employment-practices)
- [Marsh vs Travelers Fidelity Bonds](https://spot.insure/compare/marsh-vs-travelers/fidelity-bonds)
- [Marsh vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/marsh-vs-travelers/fiduciary)
- [Marsh vs Travelers Kidnap and Ransom Insurance](https://spot.insure/compare/marsh-vs-travelers/kidnap-ransom)
- [Marsh vs Travelers Management Liability Insurance](https://spot.insure/compare/marsh-vs-travelers/management-liability)
- [Marsh vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/marsh-vs-travelers/professional-errors-omissions)
- [Marsh vs Travelers Surety Bonds](https://spot.insure/compare/marsh-vs-travelers/surety-bonds)
- [Marsh vs Travelers Tech E&O Insurance](https://spot.insure/compare/marsh-vs-travelers/technology-errors-omissions)
- [Marsh vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/marsh-vs-travelers/workers-compensation)
- [Alliance Risk vs Marsh Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-marsh/equipment-breakdown)
- [Alliance Risk vs Travelers Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/equipment-breakdown)
- [Chubb vs Marsh Equipment Breakdown Insurance](https://spot.insure/compare/chubb-vs-marsh/equipment-breakdown)
- [Chubb vs Travelers Equipment Breakdown Insurance](https://spot.insure/compare/chubb-vs-travelers/equipment-breakdown)
- [Coverdash vs Marsh Equipment Breakdown Insurance](https://spot.insure/compare/coverdash-vs-marsh/equipment-breakdown)
- [Coverdash vs Travelers Equipment Breakdown Insurance](https://spot.insure/compare/coverdash-vs-travelers/equipment-breakdown)

## Sources

### Marsh

1. [Marsh | Leader in risk, strategy, people, and investments](https://www.marsh.com/en/home.html). Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16.
2. [Compensation guide for US clients](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf). Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16.
3. [Marsh McLennan Agency (MMA)](https://www.marsh.com/en/services/marsh-mclennan-agency.html). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
4. [Technology | Insurance Broking & Risk Management](https://www.marsh.com/en/industries/technology.html). Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
5. [Data center insurance and risk management](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html). Marsh; Understanding your full exposure map: Physical asset damage; Closing the gaps in conventional coverage table; FAQs: What does data center insurance typically cover? (property damage, equipment breakdown, business interruption, delay in startup, cyber exposures, general liability, selected contractual risks); What are the main risks facing data center owners and operators today?. Accessed 2026-09-23.

### Travelers

6. [Technology Insurance](https://www.travelers.com/business-insurance/technology). Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
7. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
8. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
9. [Equipment Breakdown Insurance Coverage](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage). Travelers; EnergyMax 21; Who is equipment breakdown insurance right for?; BoilerRE; Public entities; National property. Accessed 2026-09-23.

### Equipment Breakdown Insurance Guide

10. [Understanding Commercial Package Policies](https://www.iii.org/article/understanding-commercial-package-policies). Insurance Information Institute; Available CPP additions: Equipment breakdown. Accessed 2026-09-16.
11. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Boiler and Machinery; Commercial Property: Covered Causes of Loss; Commercial Property: Time Element; Inland Marine; Coverage Forms and/or Specialty Coverages. Accessed 2026-09-16.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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