General Star is pleased to introduce Equipment Breakdown on a non-admitted basis through General Star Indemnity Company in all states except Connecticut, and through General Star National Insurance Company in Connecticut. Coverage is written through selectively appointed surplus lines brokers.

Sample Equipment Breakdown Losses

• Apartment: the low water fuel supply cut-off did not operate in an apartment building’s cast iron heating boiler, resulting in a low-water condition. As a result, the boiler suffered severe overheating with cracking of several sections. Total property damage: $19,750.
• Hotel/Motel: A power surge damaged a fire alarm system and call accounting system in a five story airport hotel. Total paid loss: $72,412.
• Office Building: The main electrical panel in a vacant 12 story office building shorted.
  Total loss: $46,184

Why Equipment Breakdown?

• Offers protection against damage caused by:
  
  
  • Short circuits / electrical arcing
  • Power Surges
  • Mechanical Breakdown
  • Motor burnout
  • Boiler Damage
  • Operator error

• Many Types of Equipment Covered:
  
  
  • Electrical Distribution Systems
  • Heating and Cooling Systems
  • Telephone Systems
  • Computers
  • Refrigeration

Coverages and Limits include:

Comprehensive Equipment Breakdown: Follows Property Limit

Business Income / Extra Expense: Follow the Property Loss of income and Extra Expense Limit

Demolition: Follows the Property Form

Ordinance or Law: Follows the Property Form

Expediting: $25,000

Hazardous Substances: $25,000

Spoilage: $25,000

Computer Equipment: Follows the Property Form

Data Restoration: $500

Service Interruption: 24 hour Waiting Period

Deductible: Follows the Property Deductible