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Machinery & Electronic Breakdown Insurance for Critical Equipment

Protect your business against sudden and accidental machinery or electronic equipment failures that can stop operations without warning.

  • Covers mechanical and electrical breakdown
  • Protection for plant, machinery and electronic equipment
  • Business interruption and expediting costs available
  • Tailored cover for manufacturers, medical, hospitality and trade businesses
Get My Machinery Breakdown Insurance Quote

Request a Machinery & Electronic Breakdown Quote

No obligation. Cover structured around your critical equipment.

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Australian insurance brokers
Cover structured for machinery-dependent operations
Access to specialist breakdown insurers
Understanding Your Cover

What Is Breakdown Insurance?

Machinery & Electronic Equipment Breakdown Insurance protects businesses against sudden and accidental breakdowns of machinery, equipment and electronic systems.

Unlike standard property insurance — which usually excludes mechanical or electrical failure — this cover responds to repair or replacement costs when critical equipment fails unexpectedly. It can also include business interruption cover for downtime caused by breakdowns. This insurance is essential for businesses that rely on plant, machinery or technology to operate.

Is This For You?

Who Breakdown Insurance Is For

Machinery & Electronic Equipment Breakdown Insurance is commonly arranged by:

Manufacturing and processing businesses
Food and beverage producers
Healthcare providers and medical facilities
Laboratories and research facilities
Hospitality businesses with critical kitchen or refrigeration equipment
Retail and warehouse operations using automated systems
Construction companies with heavy machinery
Offices reliant on essential IT and communications systems
Note: Any business where equipment or technology failure could halt operations should consider this cover essential.
Cover Options

What Does Breakdown Insurance Typically Cover?

Mechanical Breakdown

Covers sudden and accidental failure of machinery, engines, pumps, compressors or production equipment.

Electrical & Electronic Equipment Failure

Covers computers, servers, control systems, communication equipment and electronic systems against accidental failure.

Business Interruption Due to Breakdown

Covers loss of gross profit or ongoing expenses when operations stop due to insured equipment failure.

Expediting Costs

Covers additional costs to fast-track repairs or replacements to minimise downtime.

Beyond the Basics

Additional Covers & Policy Extensions

Policy Options

How Breakdown Insurance Is Structured

1

Policy Structure

Machinery & Electronic Equipment Breakdown Insurance is typically structured as an annual policy covering specified machinery, equipment or electronic systems.

∞

Key Features

Cover is provided on a replacement or reinstatement basis, with optional business interruption calculated on gross profit and fixed costs. Excesses apply per breakdown event, and the policy can be arranged as standalone cover or as an extension to a property policy.

Why It Matters

Tailored machinery & electronic breakdown Solutions

Equipment failure can halt operations immediately

Repair and replacement costs can be substantial

Minimises financial impact of downtime

Supports continuity for clients and supply chains

Typically excluded under standard property insurance

Keep Your Business Running When Equipment Fails

Speak with a broker who understands equipment-dependent risk.

Get My Machinery Breakdown Insurance Quote

Important: Machinery & Electronic Equipment Breakdown Insurance does not typically cover wear and tear, corrosion, gradual deterioration, poor maintenance, design flaws or cyber-related failures. Coverage, limits and extensions vary significantly between insurers. Advice from a Seguro insurance broker is recommended to ensure alignment with equipment criticality and operational exposure.

FAQ's

It covers sudden and accidental mechanical or electrical failure of machinery and electronic equipment, including repair or replacement costs.
Usually not. Property insurance typically excludes mechanical or electrical failure unless breakdown cover is added.
Yes. Business interruption cover can be added to protect income and expenses during downtime caused by breakdowns.
Yes. Electronic equipment such as servers, control systems and communications equipment can be insured.
Refrigeration and freezer spoilage can often be included as an extension.
Temporary hire costs may be covered to help maintain operations.
If you need to make a claim, contact Seguro Insurance Brokers directly. Our team will guide you through the claims process, help you gather the required documentation and liaise with the insurer on your behalf to ensure your claim is handled efficiently.
No. Wear and tear, corrosion and poor maintenance are generally excluded.
No. Cyber incidents are typically covered under cyber insurance, not breakdown policies.
Pricing depends on equipment type, age, value, maintenance practices and business interruption exposure.
A broker ensures correct equipment values, extensions and downtime exposure are properly addressed.
Get My Machinery Breakdown Insurance Quote