A large part of the investments of an industrial enterprise, and therefore representing  its actif assets, consist of machinery and equipment used in the manufacturing of its products.

  It is the insurer 's responsibility to cover the cost of repairing or replacing a machine which has been accidentally destroyed.

 Excluded are simple malfunctions, damage due to wear and the consequences of damage covered by a fire or transport contract.

 The evolution of industrial processes and the concentration of factories has multiplied the types of machines and has often considerably increased their values. Their insurance requires specialized skills and, when it comes to, for example, an automated production line, significant financial capabilities.

  A relatively recent development in the equipment reakdown insurance technology is the insurance of digital equipment. Like other machines they are likely to fail or be damaged or sabotaged. It may therefore be useful for a business owner to ensure his digital fleet against the direct cost of accidental damage and against the costs of reconstituting software and data media caused by a breakdown.

  Another particular application is the insurance of low current equipment, mainly cabinets or refrigerated rooms. In case of accidental breakdown, the cost of the repair is taken in charge by the insurer.  An extension of coverage may allow the insured to be compensated for the loss of the stock of goods that was in the refrigerator and lost its market value as a result of the breakdown.

Notice on the nuance between Damage of nature Machine / Mechanical Breakage and damage due to normal wear and tear

Equipment and goods of a mechanical nature are always characterized by a well-defined lifespan estimated by an average level. The lifespan of all mechanical objects is fixed in terms of progressive mechanical wear which ultimately leads to an abrupt or non-abrupt failure in their operation. So all mechanical objects are susceptible to wear. Abnormal operating conditions (operating mode, lack or poor lubrication, etc.) or accidental mechanical disturbances (generally difficult to identify such as overload, micro-jamming, etc.) can be the cause of an unexpected acceleration of wear and therefore an abrupt failure in the insured mechanical object. In this case, the damage is accidental in nature and the actual damage suffered by the insured must be limited and expressed in terms of the loss in presumed operating time of the object under normal operating conditions.