Local expertise, global reach, seamless protection 

From a large commercial property risk or a complex farm operation, to a standard BOP, our team of experienced underwriters supports a broad portfolio of commercial, farm, and home equipment breakdown (EB) coverages that helps policyholders prepare for the unexpected. 

Seamless equipment breakdown protection 

Commercial EB 

From the standard BOP to the large commercial risk, we offer both reinsurance and unique individualized EB coverages for damage from electrical, mechanical, and pressure systems breakdown, including: 

  • Short circuits, electrical arcing, utility power surges, mechanical breakdown, motor burnout, and pressure systems breakdown 
  • Expenses related to replacement costs for damaged equipment, or to spoilage that results from a breakdown of covered equipment 
  • Expenses incurred to limit loss or speed up restoration of operations, loss of business income, and extra expenses, if included in the base policy 

Farm EB 

Comprehensive EB coverage for damage to farm equipment caused by electrical, mechanical, and pressure system breakdown, including: 

  • Centrifugal force, misalignment, motor burnout, short circuits, electrical arcing, or power surge 
  • Expenses related to replacement costs for damaged equipment, or to spoilage that results from a breakdown of covered equipment 
  • Expenses incurred to limit loss or speed up restoration of operations, loss of business income, and extra expenses, if included in the base policy 

Home EB

Comprehensive EB coverage for electrical, mechanical, and pressure system equipment that homeowners rely on, including: 

  • Air conditioning units, appliances, computer equipment, electronics, home systems, hot water heaters, security systems, and electrical panels 
  • Expenses related to replacement costs for damaged equipment, or to spoilage that results from a breakdown of covered equipment 
  • Service line coverage 


Get in touch

Liberty Mutual Equipment RE


This website is intended to be informational. Descriptions are provided only as a summary outline of the products and services available and are not intended to be comprehensive and do not constitute an offer to sell or a solicitation. The products and services described may not be available in all states or jurisdictions. See your policy, service contract, or program documentation for actual terms, conditions, and exclusions. Any inquiries regarding the subject matter set forth herein should be directed through licensed insurance professionals.

Coverage and insurance are provided and underwritten by Liberty Mutual Insurance Company or its affiliates or subsidiaries. When we offer insurance products, we will state clearly which insurer will underwrite the policy. Some policies may be placed with a surplus lines insurer. Surplus lines insurers generally do not participate in state guaranty funds and coverage may only be obtained through duly licensed surplus lines brokers.