Electronic Equipment / Machinery Breakdown / Loss of Profit Insurance – National Insurance

Modern businesses rely heavily on electronic systems, machinery, and high-precision equipment to operate efficiently. Whether it’s a computer network, medical equipment, industrial machines, or production systems, any unexpected breakdown can result not only in repair expenses but also revenue loss and operational interruption.

To protect businesses from these risks, National Insurance offers Electronic Equipment Insurance, Machinery Breakdown Insurance, and Loss of Profit (MLOP) Cover—a powerful combination designed to safeguard both assets and income.

1. Electronic Equipment Insurance (EEI)

Electronic devices are highly sensitive to power fluctuations, moisture, operational errors, and short circuits. Even a minor failure can halt critical operations.

What EEI Covers

This policy provides protection for:

• Computers, servers, data centers
• Medical equipment (X-ray, MRI, CT scan, lab devices)
• Telecommunication systems
• Audio-visual equipment
• Security and surveillance systems
• Precision industrial electronics

Coverage Includes

• Breakdown due to electrical/mechanical failure
• Damage from power surges
• Fire, smoke, explosion
• Short circuiting
• Accidental breakage
• Water leakage, humidity damage
• Riot, strike, malicious damage

Optional Add-Ons

• Data restoration
• Increased cost of working
• External media damage

Ideal for businesses where electronic systems are operationally critical.

2. Machinery Breakdown Insurance (MB)

Industrial and commercial machinery faces continuous operational stress. Sudden breakdowns not only stall production but also involve high repair costs.

What Machinery Breakdown Covers

Protection against breakdown of:

• Motors, compressors, turbines
• Generators, transformers
• Boilers & pressure vessels
• Printing machinery
• Manufacturing equipment
• HVAC & refrigeration systems

Coverage Includes

• Mechanical failure
• Electrical burnout
• Lubrication failure
• Rotor/shaft damage
• Operator error
• Implosion / bursting

The policy covers the repair or replacement cost of damaged parts.

3. Machinery Loss of Profit Insurance (MLOP)

(Also called Business Interruption due to Machinery Breakdown)

After machinery or equipment breakdown, the financial impact extends beyond repairs. Businesses may experience loss of revenue, reduced output, or increased expenses.

MLOP provides compensation for these consequential losses.

What MLOP Covers

• Loss of gross profit
• Loss of revenue
• Standing charges (rent, salaries, electricity, etc.)
• Increased cost of working
• Business interruption due to insured machinery breakdown

Why MLOP Matters

Even with machinery breakdown insurance, the downtime may cause:

• Lost production opportunities
• Missed orders
• Contractual penalties
• Operational delays

MLOP ensures the business remains financially stable during recovery.

Key Features of National Insurance Coverage

✔ Comprehensive Asset + Profit Protection

Both equipment and income are protected, ensuring full financial security.

✔ Wide Range of Equipment Covered

From computers to industrial plants, medical devices to manufacturing systems.

✔ Customizable to Industry Needs

Coverage adjustable for IT companies, hospitals, factories, hotels, and commercial establishments.

✔ Optional Extensions

• Debris removal
• Increased cost of working
• Third-party liability
• Additional customs duty

Who Should Opt for These Covers?

This insurance suite is ideal for:

• Hospitals & diagnostic centers
• IT companies & data centers
• Manufacturing industries
• Printing & packaging units
• Hotels, malls, and commercial complexes
• Schools, colleges, research labs
• Engineering and industrial facilities

Any business dependent on machinery or electronic equipment will benefit from these policies.

Why Choose National Insurance?

✔ Trusted government-owned insurer

✔ Deep expertise in engineering & equipment insurance

✔ Clear policy wording and transparent terms

✔ Reliable and quick claim settlement

✔ Wide network for service and support

Conclusion

Electronic equipment and machinery form the backbone of modern business operations. National Insurance’s Electronic Equipment, Machinery Breakdown, and Loss of Profit covers offer complete protection—covering damage, repair costs, and revenue loss caused by unexpected breakdowns.

These policies help businesses stay resilient, maintain continuity, and protect profitability even in the face of unforeseen disruptions.