Engineering Machinery Damage Insurance is designed to protect businesses that rely on heavy machinery and specialised equipment. This policy covers repair and replacement costs if your machinery is damaged due to accidents, mechanical breakdowns, or external events like fire or flood. Whether you're in construction, manufacturing, or industrial sectors, this insurance ensures your operations continue smoothly by providing financial protection when machinery breaks down or suffers damage.

Essential Cover for High-Value Machinery

For businesses that depend on machinery for daily operations, an unexpected breakdown or accident can lead to costly repairs, delays, and lost revenue. Engineering Machinery Damage Insurance is tailored to protect against these risks, helping you avoid costly downtime and ensuring your equipment can be repaired or replaced quickly. This cover is particularly vital for industries such as construction, engineering, and manufacturing where machinery is integral to productivity.

Features and Benefits of Engineering Machinery Damage Insurance

• Accidental damage cover: Protection for machinery that’s damaged due to accidents on-site or in transit.

• Mechanical breakdown cover: Covers repairs for machinery that breaks down due to mechanical failure or malfunction.

• Fire, flood, and theft protection: Financial compensation for damage caused by fire, flooding, or theft of machinery.

• Business interruption cover: Provides compensation for lost income if machinery damage halts business operations.

• Customisable policies: Tailored cover to suit the type of machinery used in your industry, ensuring adequate protection.

• Cover for owned and hired equipment: Protection for both machinery you own and equipment hired for specific projects.

What is Typically Covered?

A standard Engineering Machinery Damage Insurance policy may include:

• Accidental damage: Cover for damage caused by accidents, such as collisions, falls, or impact during operations.

• Mechanical breakdown: Protection for internal machinery failures due to mechanical or electrical issues.

• Fire and flood damage: Cover for machinery that’s damaged or destroyed due to fire or water-related incidents.

• Theft or vandalism: Compensation if machinery is stolen or deliberately damaged.

• Hired-in plant: Cover for equipment you’ve hired on a short-term basis for specific jobs.

Common exclusions may include:

• Wear and tear: Gradual deterioration or depreciation of machinery due to regular use.

• Negligence: Damage caused by improper use or lack of maintenance may not be covered.

• Pre-existing damage: Machinery already damaged before the policy starts will not be included.

Each policy is tailored to the specific type of machinery and operations in your business. Becks insurance brokers will guide you in selecting the right level of cover based on the machinery you rely on.

Protect Your Machinery with Becks Engineering Machinery Damage Insurance

Ensure your business operations remain protected from costly machinery breakdowns or damage. Becks Insurance Brokers offer tailored Engineering Machinery Damage Insurance, designed to minimise downtime and repair costs. Book an appointment with a broker here or request a personalised quote online here.