Equipment Breakdown.
Coverage options designed to help protect against losses from the sudden breakdown of HVAC systems, electrical equipment, boilers, and other mechanical systems.
When Essential Equipment Fails
The mechanical and electrical systems that keep your building running represent a significant investment. When they break down suddenly, the repair or replacement costs can be substantial. Equipment breakdown insurance may help cover these costs. We help Texas property owners understand their equipment exposure and available options.
What This Coverage Can Help Protect
HVAC Systems
Help protect against sudden breakdown of heating and cooling systems.
Electrical Equipment
Coverage for sudden breakdown of electrical systems and equipment.
Boilers
Help protect against sudden breakdown of boilers and pressure vessels.
Mechanical Systems
Coverage for sudden breakdown of mechanical systems throughout your building.
Coverage Considerations
Sudden Breakdown
Coverage typically applies to sudden, accidental breakdowns, not wear and tear.
Excluded Causes
Standard property policies often exclude internal equipment breakdown.
Inspection Requirements
Some equipment may require inspection to maintain coverage.
Business Interruption
Equipment breakdown may include limited business income coverage.
Who This Coverage Is For
Building Owners
Property owners responsible for maintaining building systems.
Older Buildings
Properties with aging mechanical and electrical systems.
Businesses with Critical Equipment
Operations that depend on HVAC, boilers, or specialized equipment.
What type of property?
Select the property type that best describes your building.
Equipment Breakdown Insurance Questions, Answered
Equipment breakdown insurance helps cover the cost of repairing or replacing equipment that breaks down suddenly and accidentally, such as HVAC systems, boilers, and electrical equipment.
Standard commercial property policies often exclude internal equipment breakdown. Equipment breakdown insurance fills that gap.
No. Equipment breakdown coverage typically applies to sudden, accidental breakdowns, not gradual wear and tear or maintenance issues.
Coverage typically includes HVAC systems, electrical panels, boilers, pressure vessels, and other mechanical equipment. We'll review the specifics.
Ready to Explore Your Options?
Start with a few details and let our team help with the rest.
Coverage Disclaimer: This page is for informational purposes only and does not describe any specific insurance policy. Coverage, availability, eligibility, features, discounts, and limits vary by product and jurisdiction and are subject to policy terms, conditions, limitations, and exclusions. Actual terms, limits, exclusions, eligibility, and availability depend on the selected policy and insurer. Contact Texas Commercial Property Insurance to discuss your specific situation and available options.