Equipment Breakdown Insurance

Covers you for damage occurring to refrigeration machinery at your place of business.

Why would I need Equipment Breakdown Insurance?

Your commercial fridge, chiller or freezer would cost both time and money to fix in the event of a breakdown. While the likelihood of a breakdown may be low, its potential impact on your business is high. Equipment Breakdown Insurance is designed to relieve the pressure. We recommend adding a Deterioration of Stock policy so any refrigerated contents are also covered. 

Equipment Breakdown icon


What does this mean for your industry?

What's covered?

  • Breakdown while working or at rest
  • Express freight costs
  • Labour overtime costs
  • Refrigerant gas

What's not covered?

  • Alterations, improvements or maintenance
  • Lost profits or other kinds of consequential loss
  • Defects you're aware of
  • The contents of your refrigeration units
  • Some parts or types of parts of your machinery
  • Wear and tear

These lists highlight some of the inclusions and exclusions in this policy. For full details of all inclusions and exclusions, see the policy document.

Equipment Breakdown Insurance in action

A grocer standing beside a fridge full of milk


Speciality Grocer

When the display cooler in Gavin's shop broke down, he found himself suddenly unable to sell drinks and dairy. His Equipment Breakdown Insurance covered the cost of ordering critical replacement parts via express freight, plus overtime wages for the refrigerator repair employee who installed them.

A worker standing beside a freezer full of eggs


Poultry Retailer

Tipene discovered that his commercial freezer had stopped working, forcing him to suspend his whole operation until it could be repaired. Having Equipment Breakdown Insurance helped him get back to business in the shortest time possible.

A worker standing behind a till waiting to serve customers


Cake Shop Owner

Justin's refrigerated cabinet started fluctuating in temperature, making it unsafe to sell pre-made food and drinks. It turned out that it would be cheaper to replace it than repair it; thanks to Justin's Equipment Breakdown policy, he was able to get a new cabinet via express freight and get back into full operation quickly.

These fictional scenarios were created to illustrate the benefits of Equipment Breakdown Insurance. All claims are subject to the terms and conditions in the policy document.

Let's get things sorted

Speak to a Small Business Insurance Consultant

Call us on 0800 500 231