Machinery Insurance
Optimal Protection for Equipment and Operations
Optimal Protection for Equipment and Operations
Machinery Insurance for Maximum Safety and Operational Reliability
A machinery insurance policy protects your business against a wide range of risks—including technical failures, operator errors, and external factors. It also covers repair costs, ensuring your operations remain functional during unexpected breakdowns while minimizing financial losses. This insurance helps reduce downtime and provides comprehensive protection against high restoration costs caused by common incidents such as material defects or natural hazards.
Additionally, financial losses due to machine downtime can be covered with machinery business interruption insurance.
Types of Machinery Insurance
Depending on the specific needs of your business and the machinery you use, different insurance options are available:
- Mobile Machinery
Equipment such as excavators, forklifts, and agricultural machines are especially vulnerable due to their mobility. Machinery insurance protects against common risks like operator errors, theft, and vandalism—safeguarding your investment and reducing the risk of operational disruption.
- Stationary Equipment
Production and manufacturing systems—such as printing presses or assembly lines—are also comprehensively covered. This insurance provides reliable protection against unexpected breakdowns and ensures uninterrupted operation of your key systems.
Tailored Coverage for Your Business
Design your machinery insurance flexibly to suit your company’s needs. In addition to property damage, you can include risks such as theft, burglary, and other external threats. This ensures that operations can resume quickly after an incident—without significant financial setbacks.
With a customized machinery insurance solution, your company remains resilient and fully operational even in the event of a claim—ensuring smooth processes and long-term success.
FAQs - Machinery Insurance
Machinery such as machine tools, printing presses, and mobile equipment like excavators and cranes represent key assets for many businesses. Especially for small and medium-sized enterprises (SMEs), machinery insurance is essential for protection against damages caused by operator errors, design flaws, or overload. For leased or financed equipment, this type of insurance is often mandatory.
The policy typically covers damage caused by technical failure, operator error, external influences (e.g. storms or frost), and design defects. Theft and vandalism can also be included as optional coverage.
Machinery insurance is particularly important for companies that rely on machinery—such as manufacturers, construction firms, and agricultural businesses. It is suitable for both small and mid-sized companies as well as larger enterprises.
Both stationary machines (e.g. production lines, printing presses) and mobile machinery (e.g. excavators, forklifts, and agricultural machinery) can be insured.
Yes, machines that are leased or financed are generally insurable. In fact, machinery insurance is often required
in leasing agreements to protect both the lessee and the lessor.
Excluded from coverage are damages due to normal wear and tear, intentional damage by the owner, and certain specified risks. It is recommended to review the policy terms carefully to fully understand all exclusions.
