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Machinery Breakdown Insurance

Machinery and Equipment used in various industrial operations are exposed to unforeseen or sudden mechanical or electrical damage.

Machinery Breakdown Policy covers machinery, plant and equipment in process industries, factories, engineering work-shops etc, against loss or damage due to electrical or mechanical breakdown, such as defects in casting and material, faulty design, bad workmanship, physical explosion, tearing apart on account of centrifugal force, short circuit, vibration, mal-adjustment, misalignment etc, except those specifically excluded under the policy terms.  

The sum insured for this insurance should be the replacement cost, including freight, duty, cost of erection and other dues. If the sum insured is found to be inadequate, our policy will pay in such proportion as the sum actually insured bears to the sum that should have been insured at the outset. 

The Premium rate is influenced by factors such as values, type, make, model and age, nature and type of industry where the equipment is being used, experience of the industry, loss history.
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