Who Should Opt for Machinery Breakdown Insurance?

• ✔ Manufacturing units and factories
• ✔ Engineering and process industries
• ✔ Businesses with high-value or critical machinery
• ✔ Units with continuous or batch production
• ✔ MSMEs scaling operations through automation

If your business depends on machines to generate revenue, this cover is critical.

What Does Machinery Breakdown Insurance Cover?

• ✔ Mechanical breakdown
• ✔ Electrical failure or short circuit
• ✔ Sudden and accidental physical damage
• ✔ Failure of lubrication systems
• ✔ Defects in casting or material (policy terms apply)

Coverage applies only to sudden and unforeseen breakdowns — not gradual deterioration.

What Machinery Can Be Covered?

• ✔ Production machinery & equipment
• ✔ CNC machines & automated systems
• ✔ Boilers, turbines, compressors, generators
• ✔ Electrical panels & control systems
• ✔ Utilities supporting production

Each machine must be correctly declared and valued.

What Is Not Covered (Common Exclusions)

• ✔ Normal wear & tear
• ✔ Gradual deterioration or corrosion
• ✔ Poor maintenance or negligence
• ✔ Warranty-covered manufacturing defects
• ✔ Consequential losses (unless covered separately)

Why Machinery Breakdown Claims Get Reduced

• ✔ Incorrect or outdated valuation
• ✔ Non-disclosure of specifications
• ✔ Inadequate maintenance records
• ✔ Operating beyond designed capacity

These issues surface only at the claim stage — when correction is impossible.

How We Help at JSR Insurance Marketing LLP

• ✔ Assess machinery profile & risk exposure
• ✔ Ensure correct valuation & disclosures
• ✔ Structure deductibles intelligently
• ✔ Align with fire & asset insurance
• ✔ Support claims & policy reviews

Our objective is minimum downtime and maximum claim certainty.

How This Fits Into Asset Protection Planning

• ✔ Fire & Special Perils Insurance
• ✔ Industrial All Risk Insurance
• ✔ Business Interruption Insurance
• ✔ Electronic Equipment Insurance

Together, they ensure machine failure never becomes a business failure.