Machine breakdown insurance To compare
Your machines and installations are crucial for your business operations. A sudden failure can lead to high repair costs and production downtime. Protect your machines against unforeseen damage with machine breakdown insurance.
⚙️ Premium indication 2025
What is a Machine breakdown insurance?
A Machine breakdown insurance covers sudden and unforeseen material damage to your business machines and installations. Consider technical defects, operating errors, short circuits, overvoltage, material defects or falling objects.
The insurance will reimburse the repair costs up to the current value of the machine. Clearance costs, transport costs and disassembly/reassembly are also covered.
The machine breakdown insurance is in line with your needs inventory or fire insurance. Fire, explosion, lightning and theft are NOT covered by the machine breakdown insurance - for this you need inventory insurance.
With the additional coverage machine breakage, business damage also insures you for lost profits and fixed costs if your production comes to a standstill due to a covered machine breakage.
⚠️ Important: Asset insurance does not cover this!
Many entrepreneurs think that their inventory insurance covers all machine damage. But damage by internal defects, operating errors and short circuits is NOT covered by the inventory insurance. Only machine breakdown insurance offers protection for this.
What is Insured?
All sudden and unforeseen material damage to your machines.
Short circuit & overvoltage
Damage due to short circuit, overvoltage, electrical faults and overheating of electric motors.
Technical defects
Internal fractures, material defects, construction errors and mechanical faults in the machine.
Operating errors
Damage due to misuse, clumsiness or errors by staff. The most common cause of damage.
Falls & bumps
Damage caused by falling objects, collisions or impacts against the machine. Including transport within the company.
Material in Machine
Damage caused by objects entering the machine: tools, staples, metal particles.
Assembly & Disassembly
Damage during (dis)assembly, cleaning, inspection, repair, overhaul or test run of the machine.
Transport & Repair
Transport of the machine to the repairer and back. Stay outside the risk address for covered damage.
Clearance costs
Costs for clearing the damaged machine. Up to 10% of the insured amount.
business damage
Lost gross profit and fixed costs if your production comes to a standstill due to machine breakdown. Up to 52 weeks.
additional costs
Additional costs for overtime, emergency transport, foreign technicians to expedite repairs.
Refrigeration/Freezing damage
Spoilage of refrigerated or frozen goods due to failure of the refrigeration or freezing installation due to machine breakage.
Data recovery
Costs for restoring lost data on information carriers in the machine. Up to €15,000.
Which Machines Can You Insure?
The machine breakdown insurance is suitable for almost all machines used commercially.
Production machines
Milling machines, lathes
Graphic Machines
Printing presses, cutting machines
Refrigeration & Freezing installations
Cold rooms, freezers
Metalworking machines
Welding machines, presses
Woodworking machines
Saws, planers
Elevators & Escalators
Passenger lifts, freight lifts
Air treatment installations
Air conditioning, ventilation
Central heating & heat pumps
Heating installations
Solar panels & inverters
PV installations
Energy storage
Battery systems, UPS
Wind turbines
Wind energy installations
Milking robots
Agricultural installations
Bakery machines
Ovens, dough machines
Catering equipment
Kitchen appliances
Servers & Computers
IT infrastructure
Packaging machines
Packaging and sealing equipment
For Which Companies?
Companies that depend on their machines for production or services.
Production & Industry
Factories, workshops
Graphic Industry
Printing houses, print shops
Metalworking
Construction companies
Woodworking
Furniture makers, sawmills
Food industry
Bakeries, butchers
Hospitality
Restaurants, hotels
Retail & Supermarkets
Cooling installations
Agricultural
Milking robots, cooling
Energy & Sustainable
Solar parks, wind turbines
Medical & Care
Medical equipment
Building management
Elevators, air conditioning, central heating
Logistics & Transport
Loading/unloading systems
Practical examples
Situations in which machine breakdown insurance offers a solution.
⚡ Short circuit in Printing Press
Short circuit in the electric motor of an offset printing press. The motor burns out and damages the steering. Production stopped for 2 weeks.
👤 CNC machine operating error
Employee makes a programming error that causes the milling head to crash into the workpiece. Spindle and tool holder damaged.
❄️ Compressor Cooling Installation
The compressor of the cold room seizes due to lack of lubrication. All refrigerated products spoil due to a rise in temperature.
🔩 Object in Machine
A loose wrench falls into the packaging machine and damages the conveyor belt and drive. Production stopped for 3 days.
🛗 Elevator Defective
The control of the passenger lift becomes defective due to a software error. The elevator blocks and the motor overheats.
☀️ Inverter Solar Panels
The inverter of the solar panel system burns out after an internal short circuit. No power output until replacement.
Covered and Not Covered
Know what machine breakdown insurance does and does not cover.
✓ Well covered
- ✓ Short circuit and overvoltage
- ✓ Technical defects and material errors
- ✓ Operating errors and negligence
- ✓ Mechanical failures and fractures
- ✓ Falls, bumps and collisions
- ✓ Objects in the machine
- ✓ Damage during (dis)assembly and overhaul
- ✓ Damage during trial run and testing
- ✓ Repair costs up to current value
- ✓ Clearance costs (up to 10%)
- ✓ Transport to/from repairer
- ✓ Disassembly and reassembly
- ✓ Rescue costs (limit damage)
✗ Not Covered
- ✗ Fire, explosion and lightning strike
- ✗ Theft and vandalism
- ✗ Wear, corrosion and aging
- ✗ Gradual depreciation
- ✗ Consumables and wearing parts
- ✗ Belts, knives, saw blades, drills
- ✗ Cooling media, lubricants, batteries
- ✗ Intentional damage
- ✗ Constantly overloading/experimenting
- ✗ Incorrect maintenance (maintenance obligation)
- ✗ Software and data loss (unless option)
- ✗ Raw materials/products in the machine
- ✗ Earthquake and flood
machine breakagebusiness damage
With the additional coverage machine breakage, business damage insures you against the financial consequences if your production comes to a standstill due to a covered machine breakage.
The insurance will reimburse the lost gross profit (net profit + fixed costs) during the repair or replacement period, until the agreed payment period.
- ✓ Lost net profit
- ✓ Ongoing fixed costs
- ✓ Staff salaries
- ✓ Additional costs to limit downtime
Choose one benefit period that suits the maximum repair or replacement time of your machines. Take delivery times of parts into account!
Tip: Choose a long term. For machines with long delivery times (e.g. 20 weeks), choose a minimum of 26 weeks.
How much does Machine Breakage Insurance cost?
Indicative premiums 2025. Premium depends on value of machines and type of company.
Small Machines
Insured up to €100,000
Medium-sized machine park
€100,000-€300,000 insured
Large machine park
€300,000+ insured
Deductible standard €250-€1,000 per event. Premium depending on type of machines, industry and location.
Calculate Your Exact Premium →Why Choose Us?
All Machines Insured
From small installations to complete production lines. Fixed and mobile.
Internal Defects Covered
Short circuits, overvoltages and technical defects that inventory does not cover.
Operating Errors Covered
The most common cause of damage. Also errors in the warranty period.
Business Damage Option
Also insure lost profits and fixed costs in the event of production downtime.
Cooling damage included
Spoilage of refrigerated products due to cooling system failure is also insured.
Transportation Covered
Transport to repairer and back included in the cover.
100% Independent
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50+ Years of Expertise
More than 50 years of experience in business insurance and risk management.
Frequently Asked Questions
Protect Your Machines From Accidental Damage
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