Modern businesses rely heavily on machinery, installations and technical equipment. An unexpected machinery breakdown can disrupt your operations, delay deliveries and put customer relationships under pressure.
Machinery breakdown insurance protects your business against the financial consequences of sudden and unforeseen damage to your machinery, helping to minimise the impact on both your operations and your financial performance.
Machinery breakdown insurance covers damage to machinery and technical installations when they suddenly and unexpectedly fail.
Unlike commercial property insurance, which mainly covers external events such as fire or storm, machinery breakdown insurance can also cover internal causes of damage, such as mechanical failure, operator error or electrical short circuits. For mobile machinery, cover is also available without including internal breakdown risks.
The insurance can cover fixed installations, standalone equipment and mobile machinery, including production machinery, lifts, compressors, refrigeration systems, medical equipment and IT infrastructure.
A machine breakdown often involves more than just repair costs. The financial impact can escalate quickly. With the right insurance cover, you can prevent a technical failure from turning into a major financial setback.
For fixed machinery, business interruption following machinery breakdown can also be included in the cover.
For mobile machinery, the rental costs of a temporary replacement machine can also be insured.
Covers sudden and unforeseen damage to machinery.
Covers damage caused by mechanical failures or operator error.
Covers the repair or replacement costs of machinery and installations.
Covers additional costs such as dismantling and transport.
Machinery breakdown insurance is recommended for businesses that depend on technical installations or production equipment, including:
The greater your dependence on machinery, the greater the impact of unexpected downtime. We help you identify which installations are critical to your business continuity and determine the most appropriate level of cover.
The premium for machinery breakdown insurance depends on several factors, including:
Accurately valuing your machinery is essential to avoid underinsurance.
Van Dessel helps you assess your machinery and installations, ensuring a balanced premium that reflects your actual risk exposure.
a tailor-made partner
We start from your specific situation and take the time to thoroughly understand your risks, needs, and objectives. This way, you receive advice and guidance tailored to your business and everyday practice.
already 80 years in insurance
Thanks to our years of experience, we analyze your risks and insurance needs with a broad perspective. We provide a well-thought-out approach, clear solutions, and the right protection for your business.
beyond standard insurance
No standard formulas, but solutions tailored to your activities and challenges. From analysis and implementation to support in case of claims: we provide an approach that works in practice.
We analyse your business activities, contractual obligations and risk exposure. You will receive a clear proposal tailored to your company.
Request a no-obligation quote or contact us for personalised advice.
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