Machinery Breakdown
Protection against sudden and unforeseen machinery damage.
Machinery Breakdown insurance can cover accidental physical damage to machinery arising from causes such as mechanical failure, electrical failure or operator error, subject to the policy.
Overview
A gap standard property cover often leaves open
Standard property policies often exclude mechanical or electrical breakdown of machinery — the failure has to originate from an insured external peril, not from within the machine itself.
Machinery Breakdown cover is specifically designed to fill that gap.
Who Needs It
Is this relevant to you?
- Manufacturers.
- Hotels.
- Building owners.
- Hospitals.
- Warehouses.
- Utilities.
- Contractors.
- Cold-storage operators.
Coverage
What It Typically Covers
Read Carefully
Important Considerations
- Wear and tear and gradual deterioration are typically excluded.
- Lack of routine maintenance can affect cover.
- Consequential losses (like lost production) may need separate Business Interruption cover.
- Age and condition of machinery affects both premium and terms.
Our Role
How Omega Helps
Identify the Coverage Gap
We explain exactly where your property policy stops and where machinery breakdown risk begins.
Match Cover to Critical Equipment
We help identify which machinery is genuinely critical to your operations and prioritise cover accordingly.
Link to Business Interruption
Machine failure often causes lost production — we help you understand whether that financial impact is also covered.
Support at Renewal
We review cover as equipment ages or is replaced.
If You Need to Claim
Claims Support
FAQs
Frequently Asked Questions
Related Solutions
You may also need
Close the gap standard property cover leaves open.
Get a quote for the machinery your operations depend on.
Get a Quote
