It happens. Computer systems go down. Motors burn out. Electricity is interrupted. Phone systems fail. What if it happened to you? Would you be prepared to handle the costs needed to get your business up and running?

Every day, businesses from large manufacturing operations to small retail stores rely on their mechanical and electrical equipment to maintain their operations. Yet, most property policies exclude losses arising from the breakdown of equipment, which creates costly gaps in your coverage.

These types of losses can cause major physical damage and business income loss, even resulting in the temporary shutdown of your operations. For instance, suppose your critical equipment stopped working today. Would you be able to stay open for business? Could you afford to have the equipment fixed? Equipment Breakdown coverage from United Fire Group responds to the gaps in your property policy, providing coverage for the cost to repair or replace mechanical, electrical or pressure systems equipment that suffers a breakdown. Pollutant cleanup, expediting expense, refrigerant contamination, perishable goods and computer equipment coverages are included. It also covers indirect losses arising from a covered equipment breakdown, such as business income, utility service interruption and extra expense when covered by your property policy.

What about warranties? Warranties and maintenance contracts may have coverage gaps as well. Typically, they do not cover accidents to equipment caused by operator error, business interruption, extra expenses or spoilage losses, which can result from an equipment failure.

United Fire Group’s Equipment Breakdown coverage provides the financial protection you need to run your business and meet customer demands without worry. While this coverage is included on our Premises Commercial Uni-Saver and Garage-Pro programs, adding it to your Commercial Property or Commercial Output policy can protect your business from unexpected high-cost losses.