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Equipment Breakdown Insurance in North Dakota

North Dakota’s boiler rules set annual, three-year, or conditional inspection intervals by boiler class; only a narrow high-capacity, treated-water power-boiler group may use a 36-month internal interval. Unfired pressure vessels follow separate construction exceptions, and neither rule determines equipment-breakdown policy coverage. 2,3,5

What Is Equipment Breakdown?

Equipment-breakdown coverage can help repair covered machinery or building equipment after a mechanical or electrical failure. It fits businesses that depend on equipment to operate; check whether lost income, spoilage and utility failures are included. Read the national Equipment breakdown guide.

North Dakota Requirements

RequirementDetails
Hot-water boiler intervalHot-water heating and hot-water supply boilers are inspected every three years, except those in a nursing home, school, hospital, nursery school, or kindergarten, which are inspected annually. An inspector may require an internal inspection; a two-month grace period may elapse. 2
Power-boiler intervalPower boilers are inspected annually internally and externally, subject to a separate 36-month internal interval for qualifying units rated at least 100,000 lb/hr with supervised continuous water treatment and required records; external inspection remains annual. 2,1

What to Watch for in North Dakota

  • North Dakota’s boiler exemptions are specific

    The statute excludes boilers under federal control, farm boilers used solely for agriculture, heating boilers in private residences or apartment buildings under six units, and hot-water supply boilers only when all ceilings hold: 200,000 Btu/hr input, 160 psi, and 250°F. Separate exceptions cover garage steam cleaners; tightly specified hobby boilers (under 10-inch inside diameter, at most 1.5 sq ft grate, and required safety devices); and espresso-machine boilers (at most 1.5 cu ft, 50 psi, and code-approved). These boiler exceptions do not decide the status of an unfired vessel. 1

  • Use the unfired-vessel rule for receivers and tanks

    North Dakota’s separate rule generally requires ASME Section VIII construction and National Board registration for in-scope unfired vessels. Its stated exceptions are federal-control vessels; vessels no larger than 4 cu ft and 250 psig; vessels no larger than 1.5 cu ft and 600 psig; and vessels installed or ordered before November 1, 1987, subject to safe-maintenance and relief-device conditions. These are construction exceptions, not the boiler inspection schedule. 3

  • Low-pressure steam does not share the hot-water interval

    North Dakota requires low-pressure steam boilers to be inspected annually; steel units alternate internal and external inspection, with certificates normally based on an internal inspection. Hot-water heating and supply boilers instead run on a three-year cycle, shortened to annual in listed care and education settings. Build maintenance windows around the actual boiler class. 2

  • The 36-month interval is conditional and internal only

    The longer internal interval is limited to power boilers rated at least 100,000 lb/hr with continuous internal water treatment under qualified supervision, chief-inspector acceptance of required records, and continuing compliance. An external inspection and report are still due every 12 months for the certificate; adverse findings can return inspection to annual intervals. Budget outage and records review before relying on the exception. If seeking special-inspector service, the Department describes inspections as an initial and periodic program and coordinates qualified insurer inspectors; state the authority and certificate route in writing before scheduling. 1,2

  • Inspection access and equipment insurance are separate choices

    North Dakota lets the Department appoint an insurer, owner-user, or authorized-agency inspector as a special inspector on an employer’s written request; that is an inspection route, not a general requirement to purchase insurance. CNA advertises repair and lost-income cover under its own product, but a state inspection route does not establish policy coverage or availability. A Missouri Farm Bureau BOP endorsement illustrates buyer-check fields: scheduled premises, a separate equipment-breakdown sublimit and deductible, and a business-income time deductible. It is an example form only, not evidence of terms available or issued in north dakota. 1,5,6,4

Who Regulates Insurance in North Dakota

North Dakota Insurance Department

The North Dakota Insurance Department regulates insurers and producers, provides licensing and company searches, and investigates insurance complaints to assess compliance with state law and policy terms. 7,8,9

Surplus-lines tax and stamping office

Reported tax rate: 1.75% of gross premium, assessments and policy fees, less return premium, when North Dakota is home state When North Dakota is the insured’s home state, the 1.75% tax applies to the entire gross premium, assessments, membership and subscriber fees, and policy or service fees on multistate policies, less return premium. North Dakota permits independent procurement only under separate statutory conditions; the policyholder should confirm whether a licensed broker placement or independent procurement applies. Nonadmitted insurers generally do not participate in state guaranty funds. 10,11,12

Providers With Documented State Licenses

No provider in Spot’s research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

Questions to Ask Before You Buy in North Dakota

  1. What equipment class applies to each boiler, and are any located in a school, hospital, nursing home, nursery school, or kindergarten?
  2. If seeking the 36-month internal interval, do the output rating, supervised treatment, records, and chief inspector’s determination all qualify while annual external inspections continue?
  3. For each receiver or process vessel, which 33.1-14-10 construction exception, if any, applies to its volume, pressure, federal status, and installation date?
  4. What issued forms cover repair, replacement, and interruption losses, and what waiting periods, restoration periods, utility-interruption limits, and equipment sublimits apply? Compare the schedule’s per-premises sublimit, equipment deductible, and business-income time deductible. Compare any premises sublimit, equipment deductible, and business-income time deductible on the schedule.

Equipment Breakdown in North Dakota: FAQ

Does North Dakota require equipment-breakdown insurance for a boiler inspection? 1

The statute permits the Department to appoint certain qualified insurer, owner-user, or authorized-agency inspectors as special inspectors on written request. It does not make equipment-breakdown insurance a universal requirement; confirm any separate lender, lease, or contract term. 1

Can I use the boiler exemptions for an air receiver? 1,3

No. Chapter 23.1-16 § 06 lists exempt boilers. North Dakota addresses unfired pressure-vessel construction separately in Administrative Code 33.1-14-10, with its own volume, pressure, federal-control, and pre-1987 exceptions. 1,3

Equipment Breakdown in Other States

Other Coverage in North Dakota

Sources

  1. North Dakota Century Code Chapter 23.1-16, Boiler Inspection. North Dakota Legislative Branch; §§ 23.1-16-06 (all boiler exemptions), 23.1-16-07 (inspection frequency and high-capacity exception), 23.1-16-08 (special inspector appointment on written request); official 2025 codification. Accessed 2026-09-29.
  2. North Dakota Administrative Code 33.1-14-03, General Requirements. North Dakota Legislative Branch; § 33.1-14-03-26(1)-(4), boiler classes, inspection intervals, grace and certificate inspection timing; effective July 1, 2020. Accessed 2026-09-29.
  3. North Dakota Administrative Code 33.1-14-10, Unfired Pressure Vessels. North Dakota Legislative Branch; § 33.1-14-10-01 (construction and exceptions), .02 (repairs/reinstallation); effective July 1, 2020. Accessed 2026-09-29.
  4. Boiler Inspection Program. North Dakota Department of Environmental Quality; Program scope, initial and periodic boiler inspections, coordination with insurer special inspectors; official contact and forms. Accessed 2026-09-29.
  5. Equipment Breakdown Insurance. CNA; Product description: repair and lost-income protection; monoline and package options. Marketing page, not an issued form. Accessed 2026-09-29.
  6. BP 04 59 01 06, Equipment Breakdown Protection Coverage. Missouri Farm Bureau Insurance (posted businessowners endorsement); Schedule lists premises, equipment-breakdown sublimit, equipment-breakdown deductible, and business-income time deductible; coverage is for direct loss at scheduled premises from mechanical breakdown/electrical failure, subject to listed exclusions. Missouri-posted example only, not evidence of a form available or issued in the target state. Accessed 2026-09-29.
  7. North Dakota Insurance Department. North Dakota Insurance Department; Official department homepage; identifies regulation of insurance and consumer/business assistance. Accessed 2026-09-28.
  8. Print License / Search for an Agent. North Dakota Insurance Department; Official licensing page directs the public to current SBS public lookup for agent status, license number, lines and appointments; linked public lookup is up to date. Accessed 2026-09-28.
  9. Complaints. North Dakota Insurance Department; Official complaint process; Department reviews compliance with insurance laws and policy coverage; directs online filings to state-specific SBS complaint form. Accessed 2026-09-28.
  10. Surplus Lines. North Dakota Insurance Department; Current official page: ND home-state rate 1.75% on total premium including assessments and policy fees for multistate coverage; explains home-state allocation and nonadmitted insurer guaranty status. Accessed 2026-09-28.
  11. N.D.C.C. Chapter 26.1-44, Surplus Lines Insurance. North Dakota Legislative Branch; §26.1-44-03.1 sets 1.75% tax base, home-state rule, fee inclusion, return premiums; §§26.1-44-08 and related provisions cover placements. Accessed 2026-09-28.
  12. Surplus Lines. North Dakota Insurance Department; Official page states nonadmitted insurers generally do not participate in state-created insurance guaranty funds. Accessed 2026-09-28.
  13. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  14. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  15. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  16. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  17. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  18. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
  19. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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