Calling all business owners! If you’re in the 21st century, you depend on energy-related equipment serving you well.

What happens when things don’t quite go according to plan, as they often do in life?
Well, if your computers, machines, boilers, air conditioning units, furnaces, ovens, elevators, forklifts, and cranes and so many, many other equipment fail, your business might fail.

But hold on to your hat!

Equipment breakdown insurance can protect you and your business from what happens. Read on for some recap episodes that have been sent to insurance claims departments.

Equipment Breakdown Insurance Genuine Case Scenarios

• A power surge caused damage to the control board of an espresso machine. It also caused damage to the thermostat and compressor of the air conditioning system. In addition, due to the compressor in the company’s food cooler, the food that was for sale suffered spoilage.

• Blackouts aren’t a big deal, or so some of us tend to think. In this case, a blackout caused by direct lightning at the utility substation was followed by a power surge that led to the premature demise of a commercial air conditioning unit.

• Due to a sudden power surge, the refrigeration system of a convenience store was so badly damaged that it had to be replaced. Luckily, the food inside also suffered spoilage losses.

• An intense ice storm wreaked havoc on the power line connected to a restaurant. Losses included an electric skillet, wine cooler, and ice maker.

• Business cannot continue without a proper phone system. One company learned this the hard way when a power surge damaged its company, leaving it without communication for forty-eight hours.

• A grocery store experienced a power outage and then the resulting power surge caused electrical damage to the cash register and freezer.

• When an ice cream franchise suffered a power outage, it took the utility company several days to fix the problem. The ice cream melted and so did the income from the business.

• A printing company was unable to maintain your printer properly. The gap protector came loose and got stuck between the machine’s cylinder and the imaging unit, causing the printer to fail.

• A company’s furnace motor broke down, creating optimal conditions for water pipes to freeze and burst. When that happened, the breaker for another oven tripped, resulting in additional heat loss.

• Condenser fan seizing caused freezer compressor to burn out, followed by food damage.

• An overheated and cracked boiler as a result of a low water level. The ensuing heat loss caused the store owner to close his store for a full business day.

• The boiler and steam pipe at a religious center cracked and released steam, damaging the church organ, choir members’ robes and the microphone system.

All of the above claim examples were covered by equipment breakdown insurance.

If something happens to your sales team, are you covered?