For anything from small electric motors to a refrigeration plant or a gas turbine, breakdown protection other than normal wear and tear is available. Cover is usually on an annual basis for permanent fixed machinery housed at a permanent location.

Machinery Breakdown insurance policy extensions are available covering:

• Deterioration of Stock where stock is kept under controlled conditions and then spoiled by a breakdown of a refrigeration unit.
• Loss of Profits following an insured breakdown.
• Increased Cost of Working assists in keeping the business operating and meeting unforeseen costs such as overtime, outsourcing to a third party, increased advertising or rental of temporary premises.