Business Insurance
Systems Breakdown
Covers sudden mechanical or electrical failure of equipment, including resulting business interruption losses.
Get a Quote*General coverage descriptions listed below are intended as educational overviews and may not reflect the specific terms of any policy placed by Rampart Risk Advisors LLC. Coverages often vary by carrier and the risk profile of each individual business. Always refer to your policy to determine what exposures, perils, or claims are covered.
What’s Generally* Covered
- Sudden and accidental mechanical or electrical failure of equipment
- Damage to boilers, pressure vessels, HVAC systems, and refrigeration units
- Electrical system failures, including transformers, switchgear, and circuit damage
- Computer and production equipment breakdown
- Business interruption losses resulting from covered equipment failures
- Spoilage of perishable goods due to equipment breakdown
Who It's For
- Businesses reliant on specialized equipment to operate — manufacturers, restaurants, data centers
- Property owners with complex building systems that aren’t fully covered by standard property policies
- Cold storage, food service, and medical facilities where spoilage is a significant risk
- Any business that would face serious disruption if key equipment failed unexpectedly