A machinery breakdown can:

• Halt production unexpectedly
• Cause expensive repair or replacement costs
• Delay orders and impact customer commitments
• Disrupt cash flows and profitability

Why Machinery Breakdown Insurance Matters

Machinery Breakdown Insurance protects businesses against sudden and accidental mechanical or electrical failures, ensuring faster recovery and uninterrupted operations.

At JSR Insurance Marketing LLP, we structure this cover as a continuity and downtime-risk solution — not just a technical add-on.

Who Should Opt for This Cover?

• 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

What Does It 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)

Machinery That Can Be Covered

• Production machinery and equipment
• CNC machines and automated systems
• Boilers, turbines, compressors, and generators
• Electrical panels and control systems
• Production utility systems

Accurate declaration and valuation of each machine is essential.

What Is Not Covered

• Normal wear and tear
• Gradual deterioration, corrosion, or erosion
• Poor maintenance or negligence
• Warranty-covered manufacturing defects
• Consequential loss (unless added separately)

Why Claims Get Reduced

• Incorrect or outdated machine valuation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

Machinery Breakdown vs Industrial All Risk

• MB focuses on mechanical and electrical failures
• IAR offers broader fire and peril-based protection
• MB acts as a critical protection layer for growing units

How We Help at JSR Insurance

• Assess machinery profile and criticality
• Ensure correct valuation and disclosures
• Structure deductibles and coverage optimally
• Align machinery cover with fire and asset insurance
• Support claims and periodic policy reviews

Asset Protection Alignment

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

Together, they ensure machinery failure does not become a business failure.