Give us a call
650.362.8470

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. ISU Lovering 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 Location

ISU Lovering Insurance Services

1121 Laurel Street
San Carlos, CA 94070
Main office: 650-362-8470
Fax: 650-593-7410
Fax: 650-228-5663

Our Providers

Testimonials

"I love working with ISU members because they are personable and professional."

"I love working with ISU members because they focus and appreciate quality first then price."

"I love working with ISU because the members I have met are polite, hard-working and dedicated to protecting their clients' best interests. ISU members are collectively the most professional, humble and straightforward group of agents I have had the pleasure of working with in my 18 years in insurance."

"I love working with ISU members because of the ease of doing business and the knowledge that many of the members are instilled with in regards to coverages, forms, etc."

"I love working with ISU members because they are all beautiful people. We started with very little premium and have built an empire! Our year-end 2010 So CA Select Accounts written premium totals $6,000,000. What’s not to love….! I consider so many of you friends not just business acquaintances. You are by far the most wonderful group of individuals I work with. And, you are all stuck with me for many more years because “I ain’t givin you up”!"

"I love working with ISU members because they are some of the best agents in the industry!"

"I love working with ISU members because they are very professional and provide complete submissions. If we need additional info they get it back promptly. They make our jobs easier. They have some pretty interesting accounts too!!"

"I love working with ISU members because ISU members work as hard for Travelers as we do for them. Whether it be a large account or a small account, ISU members are constantly thinking of how and what business they can place with or keep with us. The members are professional with a sense of humor, understanding of our appetite, eager to give us the first shot or last look on renewals. I look forward to working with my agents every day! I also love the sense of 'family' I have with the ISU members. I can't say enough about how much I love working with all of them!"

"I love working with ISU members because they are professional and knowledgeable."