When a compressor, electrical panel, or HVAC unit fails, standard property often won’t pay — it wasn’t a covered peril. Equipment Breakdown covers the failure itself plus the spoiled inventory and lost income that follow.
What it covers
- Mechanical and electrical breakdown of equipment
- Spoiled refrigerated inventory after a covered failure
- Business income and extra expense during repairs
Who needs it
Restaurants, grocers, and any business that depends on refrigeration or critical equipment.
Florida note
Florida’s heat and outage risk makes spoilage a frequent loss. We confirm the spoilage sublimit is high enough to actually cover a full walk-in.