This photo shows a woman working on equipment and represents equipment breakdown coverage from The Andover Companies.


Protection for building and business owners against losses related to a sudden or accidental mechanical or electrical breakdown of critical equipment or technology.

When essential business equipment or technology breaks down, it can lead to costly repairs or even require a complete replacement of the failed system. The Andover Companies Equipment Breakdown Coverage Endorsement may help you recover from the financial impact of this surprisingly common occurrence.

This photo shows a man fixing equipment and represents equipment breakdown coverage from The Andover Companies.


Whether a device breaks down or gets damaged, you want to do everything you can to minimize your out-of-pocket costs and reduce the interruption to your business operations or to the lives of your building tenants. The Andover Companies Equipment Breakdown Coverage is designed to help minimize the financial burden of a sudden or accidental mechanical or electrical breakdown of a variety of critical equipment and technology.

The following types of equipment are typically covered under this comprehensive endorsement:
  • Motors and Engines
  • Electrical Panels and Cables
  • Computers and Communication
  • Heating, Cooling, and Ventilation
  • Refrigeration
  • Boilers and Pressure Vessels
  • Elevators


The price for repairing an apartment building’s electrical system after extensive arcing damage.


The cost of restoring an office tenant’s telephone service after a burnout of two terminal boards in the phone system computer.


The price of a replacement boiler for an apartment building where the boiler had cracked in several sections.


This photo is of condensers outside of a building and represents equipment breakdown coverage from The Andover Companies.


The standard Businessowners Policy (BOP) typically will not provide coverage if business equipment or technology breaks down because of a mechanical or electrical failure. However, if you add Equipment Breakdown Coverage to your BOP, you may be covered for losses due to the following:

  • Power Surges
  • Short Circuits
  • Electrical Arcing
  • Mechanical Breakdowns
  • Motor Burnouts
  • Boiler Steam Explosions
  • Operator Error
Cover image for the Equipment Breakdown fact sheet

Learn more about protecting your business equipment and technology

You will find real-life examples of business equipment and technology breakdowns and their costs, additional details on the types of events, equipment, expenses that are typically protected under Equipment Breakdown Coverage, and more.

Download the Fact Sheet

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with the Agents We Serve and People We Insure

“As small-business owners, we have always chosen to place our Businessowners Policy with The Andover Companies. Their product offerings are comprehensive, and their rates are competitive. Most importantly, we feel they have always done right in protecting us. We confidently recommend Andover and are grateful for the relationship we share.”

Lindsey S.

“I feel comfortable having my insurance with The Andover Companies. I know that if something terrible happens, they will be there to support my family and guide us through the process. Insurance can be confusing, especially when you have multiple policies, but they have simplified the details so we can understand everything easily!”

Bianca and Ray L.

“Andover has consistently provided top-notch support and service to our team and always strives to help us find reasonable solutions for our clients’ ever-changing insurance needs. We are proud to work with such an exceptional insurance provider and look forward to many years of our continued partnership.”

Heidi Summa
Agent | William Raveis Insurance


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Click on the Find an Agent button to search for independent insurance agencies near you.

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Contact the independent insurance agency you would like to work with by phone or email.

Step 3:

Leave it up to your agent to uncover the best coverage solutions for your valuable property.