---
title: "What Insurance Covers Equipment Breakdown?"
description: "Equipment-breakdown coverage may cover physical damage from a defined mechanical or electrical accident; wear and gradual deterioration may be excluded."
canonical: "https://spot.insure/insurance-faq/what-insurance-covers/equipment-breakdown"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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# What Insurance Covers Equipment Breakdown?

Equipment-breakdown coverage may cover physical damage from a defined mechanical or electrical accident; wear and gradual deterioration may be excluded.

Repair costs, lost income, extra expense, and spoilage can each have separate limits.

Check covered equipment, accident definitions, deductibles, and income or spoilage limits. Confirm that critical machinery appears on the schedule.

## Related Questions

- [What Insurance Covers Spoiled Inventory?](https://spot.insure/insurance-faq/what-insurance-covers/spoiled-inventory)
- [What Insurance Covers Inventory In Transit?](https://spot.insure/insurance-faq/what-insurance-covers/inventory-in-transit)
- [What Insurance Covers Company Cars?](https://spot.insure/insurance-faq/what-insurance-covers/company-cars)
- [What Insurance Covers Employee Theft and Embezzlement?](https://spot.insure/insurance-faq/what-insurance-covers/what-insurance-covers-employee-theft)

## Related Coverage

- [Commercial property](https://spot.insure/coverage/commercial-property)

## Sources

1. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial General Liability; Commercial Property; Inland Marine; Boiler and Machinery. Accessed 2026-09-25.
2. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Boiler & Machinery or Equipment Breakdown & Machinery. Accessed 2026-09-25.
3. [HSB TechAdvantage Equipment Breakdown Coverage Form](https://www.munichre.com/content/dam/munichre/hsb/hsb-iic/documents/hsb-techadvantage-equipment-breakdown-coverage-form.pdf/_jcr_content/renditions/original./hsb-techadvantage-equipment-breakdown-coverage-form.pdf). The Hartford Steam Boiler Inspection and Insurance Company; A.1–2 pp.1–6; C pp.8–9; D pp.9–10; G.1 p.17. Accessed 2026-09-25.

More answers: [What Insurance Covers FAQ](https://spot.insure/insurance-faq/what-insurance-covers).

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