The failure, not the fire
Property policies pay for fire and wind; this is what pays when a boiler or a compressor fails entirely on its own.
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Boilers, HVAC, refrigeration and the electrical panel.
Cennairus is a licensed wholesale insurance broker: retail agents send us the accounts their own markets cannot place, stay the agent of record, and we take each account to the markets on our panel of 145 carriers that write it. Equipment breakdown, the current name for boiler and machinery insurance, covers the sudden and accidental breakdown of boilers, HVAC, refrigeration, electrical panels and production machinery: the failure a property policy is written to exclude. It is added to the property policy rather than replacing it. Cennairus shops it across the panel.
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Property policies pay for fire and wind; this is what pays when a boiler or a compressor fails entirely on its own.
Direct damage to the equipment, the inventory spoiled in the cooler it powered, and the income lost while the account is down.
Any building with a boiler, HVAC, refrigeration or a production line is a candidate, whether or not it is already on a property schedule.
The line responds to a failure, not to wear the account should have maintained against.
Attached to the account you are already quoting rather than sold as a separate project.
The refrigeration claim restaurants and grocers file most often.
Breakdown that stops production also stops revenue — cover both.
Who buys it: restaurants and grocers with refrigeration on the line; property managers and habitational owners responsible for building mechanicals; manufacturers with production machinery; offices and any business with a server room or data-dependent equipment; hotels, gyms and healthcare facilities running boilers and laundry equipment; any bop or commercial property account with equipment worth protecting.
A compressor failing on a Tuesday afternoon is a maintenance call. The same failure without this coverage is a loss the account absorbs alone.
Yes — equipment breakdown is the current name for what carriers sold for decades as boiler and machinery insurance, broadened well past boilers.
No, it is added to it.
A sudden and accidental breakdown — a motor burning out, a boiler cracking, a control failing — not gradual wear or deferred maintenance.
The type and approximate age of the major equipment on site — HVAC, refrigeration, boilers, production machinery — and the property’s square footage or insured values.
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