insurance solutions
Equipment and Machinery Breakdown Insurance
Protecting the plant, equipment and systems that keep your business moving
How we help you protect your business
When critical machinery fails without warning, the right breakdown cover helps turn a major disruption into a manageable problem.
PSC Insurance Brokers helps businesses that rely on plant and equipment recover quickly from sudden mechanical or electrical breakdown, managing repair or replacement costs and reducing the impact of unplanned downtime on your operations and cash flow.
Whether it is a production line, pumping system, refrigeration unit, lift or critical electrical equipment, a single failure can halt operations or make a site unsafe to run. Standard property insurance usually responds to external events rather than internal failure, which is why dedicated machinery breakdown cover is an important part of a robust risk program.
Through PSC, your adviser can work with specialist underwriters to integrate breakdown cover with your existing property and business interruption insurance, so your overall protection is coordinated, practical and cost-effective.
We help arrange cover for:
- Production lines, processing and packaging equipment
- Motors, pumps, compressors and drives
- Refrigeration, chillers, boilers and pressure vessels
- Lifts, escalators and building services plant
- Electrical switchboards and power systems
- Critical ICT, communication and control systems
- Deterioration of stock caused by breakdown
- Business interruption arising from insured breakdown
How We Understand Your Risks
Looking beyond the machines to how your business runs
Breakdown risk is not just about the age or value of your machinery. It is about how your plant is used, where single points of failure exist, and what happens to customers, contracts and cash flow if equipment is offline. We take the time to understand your operations so your cover reflects real-world exposure, not just an asset list.
What we look at:
- Single points of failure in production, utilities and building services
- Age, condition and maintenance history of key plant
- 24/7 operations, seasonal peaks or time-critical processes
- Contractual obligations, delivery timeframes and penalty clauses
- Cold-chain or temperature-sensitive stock exposures
- Existing property and business interruption cover and how it responds
- Site safety, inspection and compliance requirements
How We Can Help You
Putting a practical breakdown response plan in place
Our role is to help you prepare for breakdowns before they happen, so you can respond quickly and confidently when they do.
What we do:
- Review current property, business interruption and breakdown cover
- Identify gaps where internal failure may not be fully insured
- Recommend limits, sub-limits and deductibles suited to your assets and budget
- Work with specialist underwriters to structure cover for complex plant
- Coordinate cover when you add, upgrade or relocate equipment
- Support you through breakdown claims so repairs and replacements can progress with less stress
The PSC Difference
Practical guidance, real advocacy, better outcomes
We have the size and scale to help you
Talk to us about equipment and machinery breakdown
If your business depends on critical machinery or building services, now is a good time to review how breakdown is covered. Contact your local PSC adviser to discuss your equipment, current policies and risk priorities, and we will help you put clear, practical protection in place.