In today’s fast-paced business world, equipment plays a critical role in keeping operations running smoothly. From HVAC systems to manufacturing machinery, unexpected breakdowns can disrupt your workflow and lead to costly repairs or downtime. Equipment breakdown coverage is a specialized insurance solution designed to protect your business from these challenges. At Riseson Insurance , we provide businesses in Tempe , Phoenix , Scottsdale , Tucson , Gilbert , and Chandler with tailored policies to ensure peace of mind and financial stability.

Equipment breakdown coverage, also known as “boiler and machinery insurance,” protects against the costs associated with the sudden and accidental breakdown of essential equipment. This coverage goes beyond standard property insurance , which typically excludes mechanical failures or electrical issues.

This policy can cover:

Repair or Replacement Costs: Includes the expenses to fix or replace broken equipment. Lost Income: Reimbursement for business income lost due to equipment failure. Spoiled Inventory: Coverage for perishable goods affected by equipment breakdown, such as refrigeration failures. Extra Expenses: Additional costs incurred to minimize downtime, such as renting temporary equipment. Data Restoration: Recovery of lost or damaged electronic data stored on malfunctioning equipment.

HVAC systems Electrical panels and transformers Production machinery Office technology (computers, servers, etc.) Refrigeration units

Minimize Financial Losses: Equipment failures can result in significant repair costs and revenue losses. Comprehensive Protection: Standard property insurance often doesn’t cover mechanical or electrical issues. Business Continuity: Quickly recover from unexpected breakdowns and maintain seamless operations.

Any business that relies on equipment to function can benefit from this coverage. This includes:

Restaurants and cafes Manufacturing facilities Retail stores Healthcare providers Technology companies

At Riseson Insurance, we understand the unique needs of businesses in Tempe, Phoenix, Scottsdale, Tucson, Gilbert, and Chandler. Our experienced agents will:

Assess your business’s specific risks and equipment reliance. Customize a policy that provides comprehensive protection. Offer guidance and support to ensure your claims are handled efficiently.

Regular Maintenance: Schedule routine inspections and servicing for all critical equipment. Employee Training: Ensure your team is trained to operate machinery correctly. Monitor Performance: Use technology to track equipment performance and detect potential issues early. Have a Backup Plan: Develop a contingency plan to minimize downtime in case of failures.

Don’t let unexpected equipment breakdowns disrupt your business. Contact Riseson Insurance at 602-460-5470 to learn more about equipment breakdown coverage and how it can safeguard your operations.

What is Equipment Breakdown Coverage?

What Does Equipment Breakdown Insurance Cover?

Common Examples of Covered Equipment

Why Do You Need Equipment Breakdown Coverage?

Who Needs Equipment Breakdown Insurance?

How Riseson Insurance Can Help

Tips for Preventing Equipment Breakdowns

Get Comprehensive Protection Today

1. Repair or Replacement Costs: Includes the expenses to fix or replace broken equipment.
2. Lost Income: Reimbursement for business income lost due to equipment failure.
3. Spoiled Inventory: Coverage for perishable goods affected by equipment breakdown, such as refrigeration failures.
4. Extra Expenses: Additional costs incurred to minimize downtime, such as renting temporary equipment.
5. Data Restoration: Recovery of lost or damaged electronic data stored on malfunctioning equipment.

• HVAC systems
• Electrical panels and transformers
• Production machinery
• Office technology (computers, servers, etc.)
• Refrigeration units

• Minimize Financial Losses: Equipment failures can result in significant repair costs and revenue losses.
• Comprehensive Protection: Standard property insurance often doesn’t cover mechanical or electrical issues.
• Business Continuity: Quickly recover from unexpected breakdowns and maintain seamless operations.

• Restaurants and cafes
• Manufacturing facilities
• Retail stores
• Healthcare providers
• Technology companies

• Assess your business’s specific risks and equipment reliance.
• Customize a policy that provides comprehensive protection.
• Offer guidance and support to ensure your claims are handled efficiently.

1. Regular Maintenance: Schedule routine inspections and servicing for all critical equipment.
2. Employee Training: Ensure your team is trained to operate machinery correctly.
3. Monitor Performance: Use technology to track equipment performance and detect potential issues early.
4. Have a Backup Plan: Develop a contingency plan to minimize downtime in case of failures.