Equipment Breakdown Insurance

Protect your business from sudden mechanical and electrical failures of the equipment it runs on. We request quotes for you.

Our commitment

Committed to doing insurance right, and doing it fast. Our vision: every property and project properly covered in minutes, with every rule followed.

Eight brokers, one team

Our eight brokers work together as one Menlo team, so you can reach a person who understands your account.

Independent brokerage

We hold appointments with multiple carriers, so the quote is shopped rather than served from one shelf.

How it works

One short form
A few questions about your business or home.
We shop the market
We compare carriers and read the forms line by line.
Quote and bind
We pick the best policy and get you covered.

Protect the systems that keep the property working

Equipment breakdown addresses sudden mechanical and electrical failures. The covered equipment and expenses depend on the offered policy.

Building systems
Identify the heating, cooling, boilers and electrical systems your property relies on.
Business machinery
Describe the machinery and its use, including any fabrication or processing operations.
Coverage alongside property insurance
Review the covered causes of loss, deductible and exclusions alongside your existing property policy.

The activity at the property matters

Coverage can be reviewed for these operations. Other activities, including heavy manufacturing, utilities and single family homes, need a separate eligibility review.

Hotels and restaurants
Retailers and wholesalers
Professional and business services
Light fabrication and assembly
Multifamily buildings and associations
Schools and nonprofit organizations

Gather the details for every location

Property addresses and count
Actual business operations
Prior equipment breakdown losses
Requested deductible
Desired coverage dates
Lender and inspection contacts

Questions we get asked

What does equipment breakdown insurance cover?

It addresses sudden mechanical and electrical failures of covered equipment on commercial property. The issued policy determines which equipment, losses and expenses are covered, along with the limit, deductible and exclusions.

Can I include more than one location?

Yes. The application asks how many locations need coverage and collects the corresponding property details. Your broker will review how those locations should appear on the policy.

What if my business type is not listed?

Choose Other and describe the operation. That allows a review of the actual business without forcing it into the wrong category. It does not guarantee an offer of coverage.

What information should I have ready?

Start with the business name and addresses, location count, prior equipment breakdown losses, desired coverage dates and deductible. Include any lender, additional insured and inspection contact details that apply.