Use dotted terms for definitions. You can also browse the glossary.
Before you decide
- Identify both the equipment and the covered breakdown cause.
- Maintenance and warranty arrangements differ from insurance.
- One system can interrupt several units.
Inventory critical systems
Record boilers, heating/cooling, electrical equipment and other essential systems, including age, capacity, ownership and maintenance. Travelers describes equipment-breakdown exposures involving mechanical and electrical energy. The actual proposal decides eligible equipment and causes.
Ask qualified service professionals about safe operation, required inspections and backup options. Do not assume a building property form covers every mechanical failure or that a warranty replaces breakdown insurance.
Read the response components
| Component | Question |
|---|---|
| Direct damage | Which equipment and defined breakdown events? |
| Repair/replacement | Valuation, obsolete parts and limits? |
| Expenses | Temporary equipment and expediting terms? |
| Income | Separate trigger, waiting period and duration? |
| Service dependency | Offsite utility or supplier event included? |
| Conditions | Maintenance, inspection and reporting duties? |
Sources & scope
- Travelers: Equipment breakdown
Carrier description of mechanical/electrical breakdown exposures and equipment; not a warranty or coverage promise.
Sources checked October 24, 2026. General descriptions do not replace the policy, endorsements, declarations or an insurer’s coverage determination. Examples are hypothetical unless explicitly identified otherwise.
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