Choice Insurance Agency
Equipment Breakdown Insurance in Massachusetts
Offering customized insurance solutions in Massachusetts and beyond.
Unexpected equipment failure can quickly disrupt operations and lead to costly repairs or downtime. At Choice Insurance, we help businesses across Massachusetts explore options for Equipment Breakdown Insurance that can support the continuation of work when essential systems stop functioning properly. From small businesses to larger facilities, equipment plays a critical role, and it’s worth considering a plan to help manage potential breakdowns.
Whether you’re running a restaurant in Boston, managing a commercial building in Worcester, or overseeing manufacturing in Springfield, we’ll work with you to look at policies that align with your operational needs.
What Is Equipment Breakdown Insurance?
Equipment Breakdown Insurance, sometimes referred to as Boiler and Machinery Insurance, is a type of commercial coverage that may help in the event of mechanical or electrical failure of vital equipment. Unlike standard commercial property insurance, which generally responds to external causes like fire or weather, this coverage is designed to address internal causes like short circuits, power surges, or mechanical malfunctions.
Examples of equipment that could be included under this kind of policy might include:
- HVAC systems
- Electrical panels
- Refrigeration units
- Boilers
- Computer systems
- Point-of-sale systems
- Elevators and escalators
Coverage terms can vary, and we encourage businesses in Massachusetts to speak with a licensed agent to better understand what may or may not be included in their specific policy.
Quotes Available in Massachusetts & Other States
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Moved all my personal lines of insurance over to Choice. They found me a set of policies that saved me over $1000/year. Then, Julie took care of my commercial line, jumped through so many hoops and got me a policy for my business at an amazing rate.
Great people, great insurance, great advice, great price.
Choice insurance has been providing insurance coverage to our commercial real estate business for over 7 years and the service has been tremendous. Peter has always responded quickly and with incredibly aggressive pricing; and with a perspective to assure that we are fully covered for all potential issues without unnecessary coverage and fees. There is such a comfort when working with Peter and his company that our best interest is their top priority.
I have been a happy customer of Choice Insurance for 12+ years. Peter and the team have been fantastic — always professional and knowledgeable about supporting my business insurance needs as well as our personal, home, car, and condo insurance needs. Peter has helped us with insurance questions related to buying and selling homes, a flood insurance claim, a tree that almost fell on our house and destroyed our fence, and a car accident. Recently, Peter noticed that our condo insurance (inherited from the prior owner) was severely inadequate. He helped us switch to a much better policy within less than a day. And, thank goodness he did. A couple weeks later, I smelled gas outside our home. It was a gas leak that National Grid fixed right away. But, I slept more soundly that night knowing that if the worst had happened, we would be fully covered thanks to Peter! I can’t recommend Choice enough!
This is our third policy with Peter, he’s awesome!! We started with a policy for a commercial space and added a home insurance and auto policy because of the quality of service that we received.
We highly recommend Choice Insurance Agency for competitive pricing and transparency. Want a great policy and customer service experience look no further.
Peter and his team are thorough and have a strong sense of urgency for all matters pertaining to our account. Each time we reach out for assistance, our expectations are exceeded. I would recommend his team to anyone.
I switched to Choice 10 years ago and with 2 teenage drivers we interact frequently. Every time they have made the process quick and effortless. My family and I could not be more pleased.
Who Might Consider Equipment Breakdown Coverage?
Any business that depends on powered equipment, electrical systems, or mechanical infrastructure could explore Equipment Breakdown Coverage as part of their risk management plan. In Massachusetts, this includes a wide range of industries such as:
- Restaurants and cafés
- Retail stores
- Commercial property owners
- Medical offices
- Manufacturing facilities
- Schools and educational institutions
Even businesses that lease space rather than own it may still be responsible for some internal systems or business equipment. Evaluating your lease terms and understanding your responsibilities is an important step before selecting a policy.
How Could Equipment Breakdown Insurance Benefit Massachusetts Businesses?
Massachusetts businesses often face seasonal extremes in temperature, frequent storms, and a dense regulatory environment, all of which can place stress on equipment. If equipment breaks down and repairs or replacement are needed, the associated costs could quickly add up.
Depending on the terms of the policy, Equipment Breakdown Insurance may help cover:
- Repair or replacement of damaged equipment
- Loss of income during downtime
- Temporary solutions such as renting backup equipment
- Additional expenses incurred while restoring operations
It’s important to note that policy coverage can vary, and some exclusions may apply. At Choice Insurance, we’ll walk you through the available options and help you identify which equipment your policy may address.
Does Standard Property Insurance Cover Equipment Breakdown?
Many Massachusetts business owners are surprised to learn that their property policy typically does not cover internal mechanical or electrical failures. While it might protect against events like fires or storms, internal breakdowns often fall outside its scope.
Equipment Breakdown Coverage can serve as a complement to your property insurance, filling in a gap that might otherwise leave you exposed to operational delays or repair bills. Our team at Choice Insurance can help you review your current coverage and determine where additional support may be beneficial.
What Are Some Real-World Examples of Equipment Breakdown?
Here are a few scenarios that illustrate how Equipment Breakdown Insurance could help Massachusetts businesses:
- A restaurant’s refrigeration system fails overnight, leading to food spoilage. The breakdown wasn’t due to weather or fire, so standard property insurance may not respond.
- A retail store experiences a surge from a nearby transformer malfunction, damaging its point-of-sale system. The store must pause operations while repairs are made.
- A manufacturing company’s production line is shut down due to a motor failure. The downtime affects client deliveries and leads to unexpected costs.
Having a policy in place may help alleviate the financial burden in cases like these. Every business is different, and a customized conversation is often the best way to evaluate potential exposures.
How Can You Get Equipment Breakdown Coverage in Massachusetts?
At Choice Insurance, we start with a conversation about your business, your equipment, and your current insurance setup. Then, we explore your options for Equipment Breakdown Coverage from a wide range of carriers we work with.
The process usually involves:
- Reviewing your equipment types and usage
- Assessing your current property and liability policies
- Identifying gaps or overlaps in coverage
- Recommending options tailored to your Massachusetts location and industry
Whether you’re starting a new business or revisiting your current insurance strategy, we’re here to offer guidance and support throughout the process.
Why Work With Choice Insurance?
As a locally owned and operated agency based in Massachusetts, Choice Insurance understands the needs and challenges of businesses across the state. Our team has experience working with a wide variety of industries and is committed to helping our clients make informed decisions.
When you work with us, you can expect:
- Personalized service from licensed Massachusetts agents
- Access to a broad network of regional and national insurers
- Clear, straightforward explanations of your policy options
- Ongoing support as your business grows and evolves
Our goal is to help you feel confident in your coverage decisions, not to pressure you into one-size-fits-all solutions.
Ready To Explore Equipment Breakdown Insurance?
If you’re interested in learning more about how Equipment Breakdown Insurance might fit into your business strategy, we’re here to help. Choice Insurance is proud to serve communities across Massachusetts, from Boston to the Berkshires.
Contact us today to schedule a consultation or request a quote. We’ll help you review your current setup and explore options to keep your business running smoothly, even when the unexpected happens.
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