Equipment & Machinery Coverage
The tools and machines that earn your revenue.
Equipment and machinery coverage protects the tools, machines, computers, and production equipment your business relies on. For manufacturers, contractors, restaurants, medical practices, and tech-heavy offices, equipment is the single most valuable class of business personal property — and the one whose loss would most quickly stop revenue.
What It Covers
Coverage That Fits Your Property
Equipment and machinery coverage protects the tools, machines, computers, and production equipment your business relies on. For manufacturers, contractors, restaurants, medical practices, and tech-heavy offices, equipment is the single most valuable class of business personal property — and the one whose loss would most quickly stop revenue.
Equipment coverage within a BPP policy protects against covered causes of loss like fire, theft, wind, and vandalism. For mechanical and electrical breakdown — which standard BPP excludes — equipment breakdown coverage fills the gap.
Tools & hand equipment
Hand tools, power tools, and smaller equipment used in operations.
Machinery & production equipment
Production machinery, manufacturing equipment, and heavy tools.
Computers & electronics
Desktops, servers, networking gear, and specialized electronics.
Specialized industry equipment
Restaurant kitchen equipment, dental/medical devices, salon equipment, and more.
Scheduled high-value items
Schedule specific high-value machines for agreed value.
Pair with equipment breakdown
Add breakdown coverage for mechanical/electrical failures.
Why equipment needs BPP plus breakdown coverage
Standard BPP covers equipment for external causes of loss — fire, theft, wind — but excludes mechanical and electrical breakdown. When a compressor burns out, a circuit board fries, or a motor seizes, you need equipment breakdown coverage to pay for the repair or replacement. We pair equipment BPP with breakdown coverage so both external and internal causes of loss are covered.
How equipment & machinery coverage is priced
Equipment coverage is rated on the total value of the equipment, the valuation basis, the type of equipment (specialized and high-value equipment costs more), your industry, and the building's protection. High-value or specialized equipment is often scheduled individually. Equipment breakdown is an affordable add-on — often a few hundred dollars annually — that covers the failures BPP won't.
Common Endorsements & Add-Ons
- Equipment breakdown. Covers mechanical and electrical breakdown of covered equipment.
- Scheduled equipment. List high-value machines at agreed value, no depreciation disputes.
- Tools & equipment off-premises. Covers tools and portable equipment used away from the listed location.
- Computers & media coverage. Broader coverage for computers, data, and media; pairs with data restoration.
Equipment & Machinery FAQ
Equipment & Machinery — Your Questions
Standard BPP does not cover mechanical or electrical breakdown — it covers external causes like fire, theft, and wind. For breakdown (a burnt-out motor, a fried circuit board, a seized compressor), you add equipment breakdown coverage. We pair the two so equipment is covered for both external and internal causes of loss.
High-value or specialized equipment — restaurant ovens, dental chairs, CNC machines — is best scheduled individually on the policy at agreed value. Scheduling removes depreciation disputes and ensures the item is fully covered. We help you build an accurate equipment schedule.
Yes, computers and electronics are business personal property and covered under BPP for external causes of loss. For broader protection — including data restoration and some breakdown — we add a computers and media endorsement or equipment breakdown coverage.
Ready to Cover Your Equipment & Machinery?
Get a specialized BPP quote. We shop A-rated carriers and structure the right limits and valuation — usually within one business day.