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PROTECTION FOR MECHANICAL & ELECTRICAL SYSTEMS IN COMMERCIAL BUILDINGS
What Is Plant, Equipment & Fixtures Breakdown Insurance?
Commercial buildings rely on a vast range of mechanical and electrical systems - heating, cooling, lifts, boilers, electrical switchgear, fire-safety systems, manufacturing equipment, and much more. If any of these systems break down, it can cause major disruption, expensive repairs and business downtime.
Insure24 provides specialist plant & equipment breakdown cover to protect your installed systems, fixtures, machinery and essential building infrastructure.
What Does Plant & Fixtures Breakdown Insurance Cover?
- Mechanical breakdown of plant & machinery
- Electrical breakdown of circuits, switchgear & control systems
- HVAC system failure (heating, cooling, ventilation)
- Lift & escalator breakdown
- Boiler & pressure plant explosion or collapse
- Fire-suppression system failure
- Refrigeration/Freezer plant failure
- Computers & electronic systems breakdown
- Machinery damage due to operator error
- Business interruption / loss of income extensions
Common Mechanical & Electrical Risks
- Wear and tear leading to system failure
- Electrical faults, blown circuits & power surges
- Breakdowns in HVAC systems disrupting business operations
- Lift failures in multi-storey commercial buildings
- Boiler explosions or mechanical collapse
- Malfunctioning manufacturing machinery
- Cooling system breakdown risking stock spoilage
- Fire suppression or alarm system failure
Why Choose Insure24?
- Specialist mechanical & electrical breakdown insurers
- Cover for building systems, plant, fixtures & machinery
- Fast quotes for both simple and complex installations
- Options for engineering inspection & statutory testing
- Business interruption extensions available
- Tailored solutions for high-risk or older buildings
- Portfolio options for multi-building owners
- Dedicated support with claims & breakdown management
Suitable for All Types of Commercial Property
Commercial Buildings with Installed Systems
- Retail premises & shopping centres
- Office buildings with HVAC & lifts
- Warehouses & logistics hubs
- Manufacturing & industrial units
- Hospitality buildings (hotels, leisure centres)
Properties with Specialist Equipment
- Cooling or refrigeration installations
- Production & machinery lines
- Boiler rooms & pressure plants
- Lifts, escalators & conveyors
- Complex electrical distribution systems
FREQUENTLY ASKED QUESTIONS
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What equipment is covered?
Cover includes HVAC systems, boilers, lifts, pressure plants, electrical systems, machinery, refrigeration units and other installed equipment.
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Does this cover electrical faults?
Yes - electrical breakdown and faults within control panels, circuits, switchgear and distribution boards are covered.
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Can breakdown cover include business interruption?
Yes - loss of income or rent arising from equipment failure can be added to the policy.
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Is inspection or testing included?
Many engineering insurers offer statutory inspections for lifts, pressure systems and boilers as an add-on.
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Does this cover operator error?
Yes - accidental damage caused by improper operation or accidental misuse can be included.