Equipment Breakdown

Coverage Highlights

  • Perishable Goods
    • Physical damage to "perishable goods" due to spoilage
    • Physical damage to "perishable goods" due to contamination from the release of refrigerant, including but not limited to ammonia
    • Any necessary expenses incurred to reduce the amount of loss under this coverage to the extent that they do not exceed the amount of loss that otherwise would have been payable under this coverage
  • Extra Expense
    • Reasonable and necessary "extra expense" to operate your business during the "period of restoration"
  • Service Interruption
    • Loss and expense as defined under Business Income coverage and Extra Expense coverage that is the result of an "interruption of service"
    • The interruption must result from an "accident" to "covered equipment" owned by a company the insured has a contract with to supply covered services.

Approved Classifications

  • Retail Operation
  • Landlord / Building Owner
  • Greenhouse Operations
  • Food manufacturing Operations

Coverage Options

  • Total Insured Value (TIV) - up to $10,000,000 per location
  • Loss of Income - up to $1,000,000
  • Data Breach - YES
  • Identity Recovery - YES
  • Admitted Paper - YES

  • $500

Deductible Option


  • 150% Environmental, Safety and Efficiency improvements coverage - included
  • $25,000 Mold coverage - included
  • Worldwide Off - Premises Property Damage - included
  • $25,000 Green coverage - included - in addition to any loss payable under the 150% ESE coverage referenced above.
  • Civil Authority CBI coverage - included
  • Brands and Labels, cover cost of relabeling - included
  • Anchor Location, CBI coverage - included

Enhancements