Equipment breakdown insurance provides cover on a “Blanket” basis and includes Mechanical, Electrical, Pressure and Electronic Equipment. Cover usually also includes cover for loss of profits as a result of your equipment breakdown (conditions apply).

Machinery and electronic Equipment Breakdown policies cover:

(a) the breakdown of Your business’s mechanical machinery including air conditioning units, computers and electronic equipment such as photocopiers and faxes;
(b) the cost of restoring Your business’s computer records following a computer breakdown;
(c) the increased costs of working (such as the hiring of alternative computers, the hiring of additional staff) following the breakdown of Your business’s computers;
(d) the costs of replacing Your business’s stock which is kept in freezers or refrigerated units, if the fridge or freezer breaks down.
(e) The loss of profits that can result from the breakdown of your business’s machinery

John has had my utmost respect and confidence when it comes to any insurance matters relating to my business…we had a major flood in the shop. John arrived almost immediately to take full control. We were able to relocate our business overnight and continue trading the next day. I would recommend John without any hesitation

Peter Wynn, Rugby league legend and owner of Peter Wynn's Score Sports Store


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