Equipment Breakdown Cover for your church

For churches wishing to insure items of mechanical and electrical equipment and machinery against breakdown, we can provide an Equipment Breakdown policy.

• Costs to repair or replace electrical or mechanical equipment which break down. This includes organs, lifts, central heating and air conditioning systems and office equipment.
• Breakdown of computers, whilst in your or your employees’ custody or control.
• Business interruption cover for covered equipment.
• Reasonable costs for energy efficiency improvements when replacing damaged equipment/machinery.
• Public relations cover for professional public relations support when equipment breakdown poses a risk to your reputation.

Please be aware we cannot cover:

• Damage caused by wear and tear, gradual degradation, rust or any fault known about at the start of the period of insurance.
• Damage to bulbs, fuses, batteries or any other consumable part of the equipment that requires periodic renewal unless it forms part of other insured damage.
• Loss or damage caused by a cyber related incident.
• Costs that are recoverable under a maintenance agreement warranty or guarantee.