Electrical damage
We assess short circuits, electrical arcing and other disturbances affecting insured machinery, identifying motors, switchgear and critical equipment.
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Machinery breakdown
Pumps, lifts, motors and fixed plant: technical protection against breakdowns that can stop operations. We review each machine and the support needed to restore it.
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Protection worth understanding.
Machinery breakdown focuses on sudden, unforeseen accidental damage to declared equipment. It serves a different purpose from fire insurance or mobile plant cover. In buildings, shops and industry, a single machine may be essential to service delivery, so values, maintenance and replacement times deserve attention.
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01Electrical and mechanical damage 01 / 03The heart of your operation.
Mechanical accidents
Protection for accidental internal breakdown, including abnormal stresses or centrifugal forces within the proposed equipment cover.
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02Operation and regulation 02 / 03Every control. Every movement.
Operating errors
Options address damage from operating errors, carelessness or negligent handling. We review tasks and operators to describe the risk accurately.
Control and regulation
Failed regulating devices can cause substantial damage. We assess protection and the machinery dependent on those controls.
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03Equipment and technical inventory 03 / 03The right machine, properly declared.
Foreign objects
Damage from foreign objects entering or striking machinery may be covered. We compare the technical scope for declared equipment.
Fixed business equipment
Lifts, boilers, compressors, refrigeration and motors require a detailed inventory. Pumps and other equipment are assessed against their specifications.
These are areas to assess, not a promise that every plan includes them. We confirm the proposed scope, benefits and limits with you before you choose.
Build protection machine by machine.
A lift, compressor and refrigeration system perform different functions despite all being fixed plant. Technical information helps describe breakdown exposure and the cost of restoring service. We review components, identification and values, distinguishing accidental damage from the maintenance that keeps equipment operational.
Assessment goes beyond the machine’s price. Spares, installation and restoration time matter. Where downtime has a significant financial impact, we present it separately for interruption assessment, allowing the business to consider assets and continuity together.
Start with your situation
What we review together.
These details help us ask the right questions and compare options on a consistent basis. We can start with a conversation and organise the documents with you.
- List with make, serial number, year, capacity and replacement value.
- Location, use, maintenance and previous repairs.
- Spare-parts availability and the service impact of downtime.
How Mint helps
We organise your needs, present the risk and compare proposals with you. Before you choose, we explain the cover, limits and cost. During the policy period, we support changes, claims and renewal, with a team you can speak to.
Talk to an adviserBefore you decide.
Does fire insurance already cover these breakdowns?
They are different exposures. We review external and internal damage and coordinate sections so you understand which protection applies to each machine.
Do you also review income lost during downtime?
Yes. We assess the operating impact and seek a specific business interruption review where relevant. Machine repairs and financial loss are sized separately.
Does breakdown insurance cover maintenance?
Assessment focuses on sudden, unforeseen accidental damage. Maintenance and equipment condition form part of the submitted risk profile.
Can you assess building machinery?
Yes. Pumps, lifts, compressors and fixed systems are assessed against their specifications and coordinated with building or condominium insurance.
Let’s design
your coverage.
Tell us about Machinery breakdown. Our team will help with the next step.
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