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Equipment Breakdown Insurance

Sometimes equipment and machinery break down. When the inevitable happens, our Equipment Breakdown insurance can help cover against financial loss and certain damages.

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Even with expert installation and regular maintenance, equipment breaks down. And when mechanical or electrical failures occur, companies need to know that their operations are safe, and they can continue to service valued clients.

CNA’s Equipment Breakdown insurance helps address financial loss due to accidental breakdown of certain machinery and equipment used in a business or office. Equipment Breakdown coverage is offered on a monoline basis or can be packaged along with our Property coverage or premier business policy for mid-sized firms, CNA Paramount®. Our Equipment Breakdown insurance is unique in that it not only addresses repair or replacement of equipment, but also damage as a result of breakdowns, such as the loss of certain perishable property due to spoilage, loss to computer or data equipment and more.


Jurisdictions issue certificates permitting the operation of certain equipment such as boilers, water heaters, and pressure vessels. Periodic inspections are required to renew these certifications. CNA employs and contracts with commissioned inspectors who are authorized to perform these inspections in most jurisdictions. Please submit a request for an inspection of owned/operated pressure equipment that requires a state, county, city, parish, or province certificate to legally operate. Current CNA Equipment Breakdown insurance coverage is required.

Our dedicated Underwriting, Risk Control and Claims teams work together seamlessly to develop tailored solutions that support business around the world. We also provide tools and resources to help businesses understand their exposures and address potential losses – protecting their bottom line and their future.

Our Coverages


  • Included with other coverages like property or CNA Paramount
  • Provided as a Shared and Layered basis on manuscript forms


  • Ability to offer coverage on a 100% basis via CNA’s Equipment Breakdown Protection Coverage Form

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