Equipment Breakdown Insurance

Breakdowns in business equipment lead to breakdowns in business operations. From a production delay to a catastrophic mechanical failure, business owners feel the impact of equipment outage in lost productivity, frustrated customers, and financial loss. MiniCo’s Equipment Breakdown program provides monoline coverage for commercial properties to protect critical business equipment. This coverage complements existing commercial property policies by specifically addressing exposures related to equipment breakdown and includes jurisdictional inspection engineering services.

Our experienced underwriting team provides customized coverage tailored for a wide range of commercial properties. MiniCo’s program is offered in partnership with AM Best A-rated Liberty Mutual Insurance and available in all 50 states.

Target Classes

  • Business services
  • Commercial real estate
  • Food processing and storage
  • General utilities
  • Habitational properties
  • Healthcare
  • Hospitality
  • Light chemical
  • Manufacturing
  • Printing and publishing
  • Schools and municipalities
  • Many others

Coverage Highlights

  • Ammonia contamination
  • Brands and labels
  • Business income
  • Civil authority
  • Computer equipment
  • Consequential loss
  • Contingent business income/extra expense
  • Data and media
  • Electronic circuitry impairment
  • Environmental, safety and efficiency improvements (additional cost up to 150%)
  • Errors or omissions
  • Expediting expense
  • Extended period of restoration
  • Extra expense
  • Fungus, wet or dry rot ($15,000/30 days)
  • Green upgrades (PD and BI/EE; $100,000/30 days)
  • Hazardous substance
  • Ingress/egress
  • Newly acquired premises ($100,000/30 days, with higher limits available)
  • Ordinance or law ($100,000 included, with higher limits available)
  • Property damage
  • Spoilage
  • Utility interruption
  • Water damage

Plus, utility interruption services:

  • Air conditioning
  • Communication systems
  • Electrical power
  • Gas
  • Heating
  • Refrigeration
  • Sewer
  • Steam
  • Water
  • Cloud computing (optional)

For more information, download our flyers.

Key Contact

Robert Novak

Commercial Underwriting Team Leader

Get a Quote

Please submit a completed application to or via fax to (602) 861-1094.

File a Claim

Forms: General Liability
Fax: (602) 678-3512
Fraud Hotline: (855) 875-0775
Phone: (800) 528-1056
After Hours: (855) 861-0876

MiniCo offices will be closed Wednesday, June 19th in observance of the Juneteenth Holiday.

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