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This offers commercial users of plant and machinery vital insurance cover in case of damage or breakdown. It can be written either as part of a package of covers or on a standalone basis. It covers a wide variety of installed electrical and mechanical plant or machinery.

Product highlights:

  • A very wide definition of machinery breakdown, including operator error and frost damage
  • Proactive help for clients to manage their risks from our highly regarded team of engineers


  • Provides cover for breakdown, pressure explosion and collapse, and sudden and unforeseen damage
  • Operator error is included in our definition of breakdown
  • Also provides cover for damage to own surrounding property for explosion and collapse
  • Cover can be extended to include business interruption following a covered loss