Equipment breakdown

Protection for essential systems and equipment 

From production lines and medical imaging to heating and cooling, many systems and machinery provide crucial support for day-to-day business operationsWithout the right insurance protection, an equipment outage or breakdown could disrupt a company’s ability to operate and result in significant financial losses. 

Our equipment breakdown solutions, available as a package or standalone, provide essential coverage for losses related to damaged boilers, computers, telecom systems, diagnostic equipmentrefrigeration systemsproduction machinery, and more. 

A protective partnership  

Solutions for complex risks  

Companies count on usevery day to help protect them against risks like power surgesshort circuits, or other failures – unexpected events that can disable or destroy expensive, specialized machinery and systems. Our equipment breakdown solutions offer a broad shield of protection against costly equipment failureincluding: 

  • Costs to repair or replace equipment 
  • Lost income if operations temporarily shut down 
  • Extra expenses to continue operating while equipment is being fixed 
  • Lost value of spoiled or contaminated products 
  • Option to cover losses and expenses your business may incur if normal operations are interrupted by an off-site equipment-related failure 

Offered stand–alone or as part of our property package solutions for large and mid-sized businesses, Premier Property Protector™, RM Select™, and Liberty Mutual Property Protector® (LMPP), equipment breakdown coverage provides tailored protection that can help get operations up and running if systems or equipment fail.  


Expertise that delivers  

Our underwriting, risk engineering, and claims teams understand risk scenarios across different equipment and industries and work together to offer tailored guidance and support that can help lower your total cost of risk.  

We offer equipment breakdown solutions across an array of industries, including:  

  • Education 
  • Healthcare 
  • Hospitality 
  • Manufacturing 
  • Municipalities 
  • Real estate 

Companies with complex exposures can also benefit from the expertise of certified risk engineers who perform on-site loss prevention services and inspections to identify hazards and evaluate critical equipment. Services can include: 

  • Infrared thermographic surveys to identify potential issues with electrical or mechanical equipment  
  • Jurisdictional inspections as a National Board Accredited Authorized Inspection Agency 
  • Boiler and pressure vessel inspections as required by local jurisdictions 

We combine this expertise with a customer-centric service approach that keeps your risk-management goals top of mind. 

Better control over claims 

Damaged equipment can result in costly delays and lost income – something no business can afford. Our equipment breakdown claims management approach focuses on mitigating loss and reducing downtime so your business can move forward.   

Our people are at the core of our success and we empower them to make decisions and do their best for our customers every day. You’ll work with dedicated claims specialists who receive extensive hands-on training on coverages, damages, and loss mitigation.   

If you experience a loss, count on us for a streamlined experience that helps minimize business interruption.    

Schedule an inspection

If you have equipment breakdown coverage and need to schedule an inspection, contact us.

Equipment breakdown inspections


Liberty Mutual Equipment re

Liberty Mutual Equipment re provides reinsurance solutions for partner insurance carriers of all sizes.  

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Related insights

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.