Equipment Breakdown coverage helps protect against losses when critical systems such as boilers, compressors, refrigeration, electrical systems, or production machinery suffer a sudden and accidental breakdown. This can include the cost to repair or replace equipment and, in some cases, related business interruption expenses.

For operations that depend on refrigeration, food production, or temperature-sensitive inventory, spoilage coverage can be added to help pay for stock that becomes unusable after a covered breakdown. Granite State Insurance can help you structure this protection so that a single equipment failure does not derail your entire operation.