Who this is for
Manufacturers running production lines
F&B with cold rooms, ovens and compressors
Buildings with lifts, chillers and gensets
What it typically covers
- Sudden and unforeseen physical damage from mechanical or electrical breakdown
- Repair or replacement costs, including dismantling and re-erection
- Electrical short-circuit, overheating and operator error per wording
- Optional: deterioration of stock following cold-room breakdown
- Optional: business interruption following machinery breakdown
Often bundled as an optional section under SME packages, sometimes cheaper that way. We'll compare both routes.
ManufacturingF&BCold chainProperty managementPrinting
Common questions
My machines are under warranty. Why insure them?
Warranty covers manufacturing defects, not operator error, power surge damage or breakdown after warranty ends, which is when machines actually break.
Cold room failed overnight and stock spoiled. Covered?
With the deterioration-of-stock extension, yes, one of the most valuable add-ons for F&B and cold chain. Not automatic; must be selected.
What information do you need to quote?
Machinery list with make, model, year and values, your fixed-asset register is usually enough to start.
Get your quotation
One question at a time, your personalised quote via WhatsApp or email, usually the same day.