Which equipment may be covered under an Equipment Breakdown Protection Coverage Form?

Equipment Breakdown Protection Coverage is primarily designed to cover certain types of equipment that can suffer from breakdowns due to internal processes such as pressure or vacuum failures. This includes machinery and systems that are inherently at risk due to their operational mechanisms, such as boilers, pressure vessels, and refrigeration equipment.

The types of equipment that are explicitly covered under an Equipment Breakdown Protection Coverage Form include those that are designed to handle internal pressure or create a vacuum, as they directly relate to the common causes of breakdowns within industrial and commercial settings. These breakdowns can result in substantial loss or damage, making coverage essential for businesses that rely on such machinery.

Other choices, such as computers used for office tasks, vehicles, and general contractors’ tools, typically fall outside the scope of equipment breakdown coverage. Computers are generally covered under specific property insurance policies, vehicles are covered under auto insurance, and tools used by contractors would usually be addressed under a different type of business property insurance. Thus, the focus of Equipment Breakdown Protection Coverage is specifically on equipment at risk due to mechanical failure stemming from internal pressure or vacuum conditions.