Insured machinery and equipment
Production, processing, utility and service equipment identified in the programme.
Assets & continuity
Machinery Breakdown
Keep production-critical equipment at the centre of your protection.
Machinery Breakdown addresses sudden and unforeseen mechanical or electrical breakdown of insured machinery.
Introduction
What is Machinery Breakdown?
Machinery Breakdown is commonly considered by manufacturers, utilities, mines, property operators and other machinery-dependent businesses. It can address sudden and unforeseen mechanical or electrical breakdown of insured machinery.
What it protects
What can the policy protect?
Machinery Breakdown focuses on insured machinery and equipment. It is commonly arranged together with Property All Risks so physical assets are considered as one programme.
Mechanical breakdown
Sudden and unforeseen mechanical failure affecting insured equipment.
Electrical breakdown
Electrical failure, short circuit or another insured electrical event.
Repair and replacement basis
The values, repair options and replacement lead times relevant to critical equipment.
Common events
What types of loss can be covered?
The examples alongside help test the proposed programme against realistic situations. They guide the conversation but do not represent automatic cover.
Mechanical failure
A component fails suddenly and damages the insured machine.
Electrical failure
An electrical event damages motors, controls or other insured equipment.
Pressure or centrifugal failure
Internal pressure or centrifugal force causes sudden physical damage.
Programme context
Where this cover fits
Industry applications
The role of the cover should reflect the operation, contractual responsibilities and potential severity of loss.
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Mining, Metals & Minerals
For remote, capital-intensive operations with heavy equipment, specialist people and complex logistics.
Manufacturing
For operations where machinery, stock, people, suppliers and production continuity work as one system.
Petrochemical, Oil & Gas
For technically complex operations with concentrated values, specialist contractors and severe loss potential.
Power & Utilities
For essential infrastructure where equipment reliability, project delivery and service continuity are critical.
Independent property review
Review Machinery Breakdown with Talisman.
Share your current wording, renewal terms or information about the requirement. We will help identify the practical next step.
Illustrative information only. Coverage, availability, limits and terms depend on the risk profile, insurer approval and final policy wording.