Boiler and Machinery Policy

An untimely equipment failure could mean the end of a business. But it shouldn't! Our policy offers Boiler & Machinery coverage to protect against the expenses associated with an equipment failure. It offers coverage for direct damage caused by sudden and accidental breakdown of a wide variety of mechanical and electrical equipment that is typically excluded under property policies.

Common equipment losses not usually covered by fire or property insurance include:

gears broken due to misalignment, vibration or inadequate lubrication
rupture or explosion of steam pressure vessels
electric motor burnout due to overload or power surge
explosion of boilers due to metal fatigue
rupture or bursting of moving or rotating machinery caused by centrifugal force or mechanical breakdown
electrical arcing of motors, generators, circuit breakers, electrical distribution boards, cables and transformers
short circuits and line surges resulting in physical damage
explosion of steam boilers, pipes, turbines, engines and gas turbines.

In addition to direct damage exposures, equipment failures can result in substantial business interruption, extra expense or spoilage losses. Coverage for such losses can be added to a policy.

We offer fast quotes and policy issuance, competitive premiums, useful risk evaluation, quick and equitable claim settlement and timely inspections.

Note: Coverage statements are general descriptions only. The full and exact contract is contained only in the policy. Product availability only in the state of Texas. Please email an agent if you have any questions.