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Mechanical Breakdown Insurance

When you own your own business, it's important to protect your equipment and keep it safe. Obviously, without functioning equipment you lose money and business. This is why it is so important to have your equipment insured. While most business owners see the need for basic insurance, many don't think about mechanical breakdown insurance and all its variables. Including coverage for mechanical breakdowns in your policy helps secure your overall business insurance package by guarding against costly repairs.

Features of Mechanical Breakdown Insurance Policies

Mechanical breakdown insurance can cover lost income due to mechanical breakdowns that happen in your business, including losses due to faulty machinery and vehicles. It is also important to make sure your insurance covers liability. When a mechanical breakdown occurs with your equipment, an employee or customer could be injured. There are many policies that can be applied to various business risks that involve the possibility for mechanical breakdowns and their effects. Hindsight Insurance Services agents are more than happy to speak to you about your options.

Businesses may also encounter liability issues if an employee or member of the public is injured due to a breakdown. Liability coverage is also essential, especially if you use equipment such as lawn mowers or hazardous construction equipment, or work in precarious locations like scaffolding or rooftops, where an employee or a member of the public could be injured. When you are working on another person's property or business, your personal liability risk increases as well as your liability for damaged property.

Insurance rules vary from state to state and it is important to have an insurance agent that understands these differences. If you work in more than one state, you may need additional coverage. We can help you determine whether or not additional licensure or coverage is necessary.

Call our office to find out how you can be completely covered in the event of a mechanical breakdown. We can help you make sure you have the best possible coverage, including liability that could result from a breakdown. If you are an existing customer, call our office to get an insurance tune-up to make sure your mechanical breakdown insurance policy is up to date.

Our Locations

Hindsight Insurance Services

2349 Willow Pass Rd.
Concord, CA 94520
Main office: 925-523-7480
Toll free: 800-264-4637

Hindsight Insurance Services Novato

1615 Hill Road, STE H
Novato, CA 94947
Main office: 415-300-2436

Our Providers

Testimonials

Where to begin? I've used Hindsight for our complete suite of business insurance needs for approximately 20 years now. As a business owner, I live by the old fashioned credo of taking care of the customer -- and so do the folks at Hindsight. As a Hindsight client I feel we have a relationship based on trust and good service. I can't recommend them highly enough.
Rick Weldon -PR Motorsports
For more than 25 years we have relied on Mark Hinds at Hindsight Insurance Services for our workers compensation, business and property insurance needs. We have appreciated the personal and detailed attention to our concerns. Don Worth, President The Model Garage, Inc. Berkeley Ca
Don Worth
We have been customers of Hindsight Insurance Services for many years. I cannot say enough about how incredible they are. They get us the best rates and whenever I have a question they go above and beyond to answer my questions and never make me feel like I am taking to much of their time. They have always been very nice and very helpful. I highly recommend them! - J. Schumacker, Moraga Motors, Inc.
J. Schumaker