The risks to a business of operating plant and machinery extends beyond simply the cost of repair or replacement. Under the Machinery Business Interruption policy financial losses resulting from breakdown or accidental damage can be insured.

The policy is extremely flexible. Cover is for loss of profit when the business is interrupted or interfered with as a result of breakdown or damage to plant and machinery. The policy can provide for loss of Gross Profit or Revenue, whichever is more appropriate during the agreed indemnity period. Cover can be provided on all plant and machinery or just one or two key items.

Damage to materials being processed by the machinery is available as an extension to the Machinery Business Interruption policy.

In the case of frozen or chilled stock, a separate Deterioration of Stock policy will provide for the value of damaged stock and the cost of both disposal and cleaning up.