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Home > Blog > Business Insurance for Equipment: How Can I Protect My Expensive Equipment?
MONDAY, NOVEMBER 20, 2023

Business Insurance for Equipment: How Can I Protect My Expensive Equipment?

Operating your business requires the use of special equipment and systems. When those fail, not only does that put your business in a position of being unable to meet customer needs, but it can have long-term repercussions. Any business that relies on equipment for operations should have a business insurance plan that provides comprehensive protection for these systems. Does your insurance plan offer enough financial protection? 
top view of table with employees sitting working on computer and tablet
The Risks Are Common 
A power surge can easily damage your systems, leaving them incapable of working. You may have an electrical system shortage that wipes out your computer systems. You may find that your equipment fails because an employee used it improperly. Expensive replacement parts, long down times, and safety risks are often the result of these types of situations. How can your equipment be protected by business insurance? 

Upgrade your equipment breakdown insurance. This is generally a part of your business insurance plan, but can be upgraded to provide more extensive (and valuable) protection. You should have it if your business relies on equipment to be operational. It will help you in several key ways: 

  • It can help cover the cost of repairs for the equipment. And, when needed, it can cover the cost to replace the equipment.
  • It aids in covering the cost for time and labor necessary to replace or repair the equipment.
  • It can help to cover other expenses you incur as a result of the breakdown.
  • It provides business interruption coverage, which can help you to keep employees and vendors paid.
  • It may help replace some of your lost materials that are damaged or otherwise lost as a result of the failure. 


This type of business insurance does not protect you in cases where your equipment is not properly maintained or fails because of normal wear and tear instances. Rather, it is based on unavoidable and accidental damage to your equipment. 

When selecting this type of business insurance, be sure to talk to your agent about the types of equipment you have, the value of it, and the difficulty of repairing or replacing it. Also, discuss any limitations to these policies and when a claim applies. Having this information on hand can help you to quickly get your system back up and running when an incident occurs. 

Wondering which types of coverage are right for your business? Call ISG Insurance LLC at 865-457-9907 for more information on business insurance. 

Posted 1:20 PM

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