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A CNC turret lathe suffers a malfunction to its cutting head, causing the head to crash and shutting down production. A hotel chiller unit seizes up before a large national convention, which leads to cancelled catering events and other reservations. A robotically controlled welding line comes to a halt because of an electrical arcing event, which shuts down the line. Numerical controls on a 400 ton stamping press fail, leading to an overload situation and failure of the press.

These are all examples of seemingly small problems that can lead to huge losses. An insurance carrier that understands equipment breakdowns can help keep your business operating. Chubb offers comprehensive equipment breakdown coverage on both a monoline and package basis.

Coverage Highlights


  • Significant capacity available; policy coverage can be crafted for a broad spectrum of market segments
  • Insurance dollars available where you need them most
  • Separate, higher limits of insurance available for selected coverages if needed
  • Flexible terms and conditions, giving you the ability to customize the policy to best fit your needs
  • Additional insurance, such as food spoilage, can be purchased separately
  • Green Standards feature included for existing “green” buildings and equipment, so you can rebuild to LEED standards or replace energy-efficient equipment in the event of an insured loss


  • Off-the-shelf equipment breakdown insurance for a variety of industries
  • Wide choice of options allows you to customize the policy to your specific needs

Expert Claims Handling & Loss Control

We understand the hazards that could cripple your business. Our dedicated, board-certified Equipment Breakdown risk engineers have industry-specific knowledge to help reduce or minimize loss. Chubb’s risk engineers perform required jurisdictional inspections and conduct surveys and accident investigations as needed. Loss prevention services include thermography imaging, oil and vibration analysis, and other predictive tests.

Our reputation for claim handling excellence stems from a focus on getting you back to business as soon as possible after a loss. What’s more, if you have a loss, chances are the same risk engineer who conducted the original inspection will also conduct your initial loss investigation, providing continuity of service.

Target Client

  • Municipalities
  • Water and Sewer Processing Utilities
  • Wholesale and Retail
  • Schools, Colleges and Universities
  • Commercial and Residential Real Estate
  • Retirement and Nursing Homes
  • Manufacturing
  • Food Processing and Cold Storage
  • Hotels and Motels
  • Publishing and Printing
  • Communications and Broadcasting
  • Life Sciences and Biotech Companies
  • Museums and Cultural Institutions
  • Electronics
  • Chemical Manufacturers