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Commercial Insurance Programs Business sector Profit Integrity Coverages Application Forms Claims The Latest Personal Insurance Transportation Insurance Motorcycle Insurance Machinery Breakdown Coverages Machinery Breakdown - Covers explosion, bursting or rupture of boilers and pressure vessels, mechanical breakdown and electrical breakdown. Property policies exclude such cover and hence it is important to provide machinery breakdown coverage for virtually every Insured. Machinery Breakdown Business Interruption (Actual Loss Sustained) - Pays the amount of the actual loss sustained resulting from a total or partial prevention of business, provided such prevention is as a result of an accident to an insured object in use or connected ready for use. Expenses to reduce or avert prevention of business are also covered, but only to the extent that the total amount otherwise payable is reduced. Machinery Breakdown Business Interruption (Loss of Profits) - Pays for the loss of gross profits due to the reduction in turnover. Expenses necessarily and reasonably incurred for the sole purpose of avoiding or diminishing the reduction in turnover are also covered. Coverage provided is similar to the profits business interruption coverage available for property. Machinery Breakdown Business Interruption (Gross Earnings) - Pays for the reduction in gross earnings resulting from a total or partial prevention of business, provided such prevention is as a result of an accident to an insured object in use or connected ready for use. Coverage provided is similar to the gross earnings business interruption coverage available for property. Machinery Breakdown Business Interruption (Rent or Rental Value) - Pays for the reduction in rent or rental value resulting from a total or partial prevention of business, provided such prevention is as a result of an accident to an insured object in use or connected ready for use. Coverage provided is similar to the rent or rental value business interruption coverage available for property. Machinery Breakdown Business Interruption (Extra Expense) - Pays the amount of extra expense necessarily incurred in order to continue as nearly as practicable the normal operation of the Insured's business. Such extra expense must be incurred solely as a result of an accident to an insured object in use or connected ready for use.

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