- Internal failure
- Covered
- Downtime
- If included
- Urgent spare parts
- Included up to a limit
What the policy covers.
A commercial combined policy covers fire and water damage, but not the internal failure of a machine: that needs specific cover. And what matters is not only repairing the equipment, but covering the production days lost while the spare part arrives.
- Internal mechanical and electrical breakdown
- Electronic and IT equipment
- Loss of profits from production downtime
- Costs of express shipping of spare parts
- Overtime and holiday working to speed up repairs
- Damage to goods in process
What a commercial combined policy covers, and what it does not.
- Covered
- With conditions
- Not covered
| Commercial combined | Machinery breakdown | |
|---|---|---|
| Fire, water, weather events | Covered | Not its purpose |
| Internal mechanical or electrical failure | Usually excluded | Covered |
| Operator error or lack of skill | Excluded | Covered depending on the policy |
| Production downtime due to breakdown | No | Covered if included |
| Urgent spare parts and overtime | No | Included up to a limit |
The two policies complement each other. We make sure they do not overlap.
Three real breakdowns.
-
Breakdown
The main motor on a packaging line burns out.
What it coversRepair or replacement of the motor and, if included, loss of profits for the days of downtime.
-
Breakdown
An operator enters an incorrect setting and the machine is damaged.
What it coversOperator error is covered by most breakdown policies, unlike a commercial combined policy.
-
Breakdown
The manufacturer takes three weeks to supply a part.
What it coversExpress freight costs and overtime to speed up the restart.
From breakdown to restart.
-
Day 0
Immediate notification
You report the breakdown and we appoint a specialist loss adjuster.
-
Days 1 to 3
Loss adjustment
Diagnosis of the cause and approval of the repair.
-
In parallel
Spare parts and extra resources
Express delivery of parts and bank holiday work, if covered.
-
Restart
Settlement
Payment for the repair and for the proven loss of profits.
Questions about machinery breakdown.
Isn't this already covered by my commercial combined policy?
A commercial combined policy covers external damage: fire, water, theft. Internal failure of the machine is a separate cover and is usually taken out on its own.
Does it cover older machinery?
It depends on age and maintenance. Many insurers require an up-to-date maintenance contract; we check this for you beforehand.
What if the manufacturer takes weeks to supply the spare part?
That is where business interruption cover comes in, compensating for the downtime. It is the part that needs to be sized correctly.