A fire insurance policy mainly covers external damage, such as fire or storm. A machinery breakdown insurance can also cover internal damage, such as a technical defect or operating error.
Antilope De Bie Printing
Oplossingen
Machine breakdown
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.
What is machinery breakdown insurance?
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.
What are the benefits?
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.
Who is this insurance for?
Machinery breakdown insurance is recommended for businesses that depend on technical installations or production equipment, including:
- Manufacturing and industrial companies
- Logistics businesses
- Construction and installation companies
- Food production companies and cold storage facilities
- Hospitals and medical practices
- Data centres and technology companies
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.
What is covered and what is not?
What is covered?
- Damage caused by an internal mechanical or technical failure
- Damage caused by operator error or accidental mishandling
- Damage caused by short circuits or electrical overload
- Repair and replacement costs for damaged components
What is not covered?
- Wear and tear or gradual deterioration
- Inadequate maintenance
- Cosmetic damage that does not affect functionality
- Damage covered under the manufacturer's warranty
- Damage caused intentionally
How much does this insurance cost?
The premium for machinery breakdown insurance depends on several factors, including:
- The type and value of your machinery
- The age of your installations
- The nature of your business activities
- Your company's maintenance policy
- The deductible you choose
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.
Stories from our customers
Groep Steylaerts
Patrick Steylaerts: “Wij hebben het volste vertrouwen in onze verzekeringspartner Van Dessel.”
Germo bvba
Bram Gers: "Vooral het maatwerk is de reden waarom ik met Van Dessel in zee ben gegaan."
Van Wellen Group
Tom Bolsens: "We waren verrast dat er uit zo'n kleine hoek dreiging kon komen."
Our promise to you
Personal & involved
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.
Expertise & experience
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.
Customization & innovation
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.
Would you like to receive a quote?
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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