Comprehensive Coverage for Critical Equipment Downtime
When boilers, HVAC systems or electrical equipment fail, property insurance often isn’t enough. AEGIS Equipment Shield provides protection with limits up to $50M for costly, unexpected equipment and machinery losses.
AEGIS Equipment Shield was created to close the gap left by traditional property insurance, which often excludes coverage for sudden mechanical or electrical failures. These failures can be extremely costly and impact a wide range of industries including apartments, factories, hotels and motels, offices, municipalities, and religious institutions. We provide financial peace of mind with coverage limits of up to $50M, ensuring businesses are protected against significant equipment and machinery breakdown losses.
Apartments
Keep residents safe and operations running smoothly.
Risks
HVAC systems, boilers, electrical distribution, underground cables.
Example Loss
An electric meter surge damaged the fire alarm panel and multiple outlets — $44,950.
Tip
Install surge protection at the main power panel to protect critical systems.
Factories
Protect manufacturing equipment and avoid production downtime.
Risks
CNC machines, HVAC, hydraulic presses, robotics, power distribution.
Example Loss
A CNC machine crash caused costly repairs and downtime — $25,500.
Tip
Schedule regular lubrication and maintenance for all machinery.
Hotels & Motels
Ensure guest comfort and uninterrupted service.
Risks
Boilers, generators, electrical systems, HVAC, computer systems.
Example Loss
Generator damage required motor rewinding and shop repairs — $19,000.
Tip
Pre-identify contractors for urgent computer and electrical equipment repairs.
Municipalities
Keep essential public services running without interruption.
Risks
Transformers, well pumps, air conditioning, emergency generators.
Example Loss
A utility transformer failure required full replacement and rental equipment — $214,175.
Tip
Create contingency plans for sourcing and installing replacement equipment quickly.
Offices
Prevent costly disruptions to workspaces and tenants.
Risks
Chillers, electrical systems, elevators, communications equipment.
Example Loss
Compressor failure led to a full system replacement — $22,200.
Tip
Maintain a list of contractors for emergency equipment repairs.
Religious Institutions
Protect gathering spaces and community facilities.
Risks
Boilers, HVAC systems, electrical distribution, refrigeration units.
Example Loss
Utility surge damaged the lighting and alarm system, requiring replacement — $12,200.
Tip
Arrange for fast-response contractors for HVAC and electrical failures.
What does the policy cover?
Coverage for sudden mechanical and electrical failures across commercial properties.
Policy Limits
$50M Non-Manufacturing. $25M for manufacturing risks ($10m sub-limit Light fabrication and assembly & Food and drug processing).
Inspections
Inspections for selected risks to support loss prevention and reliability.
U.S. Coverage
Available across all U.S. states.
Is Equipment Breakdown right for you?
Find out if this coverage fits your business needs:
You own or manage commercial properties with critical equipment.
You worry about costly downtime from sudden breakdowns.
You need coverage for essential mechanical and electrical systems.
Submit your interest
Get in touch with us about gaining access to the OPAL system and marketing resources.
“OPAL is, and will continue to be, key to our growth goals into 2026 and beyond.”
– UK Wholesale Broker
“OPAL is, and will continue to be, key to our growth goals into 2026 and beyond.”
– UK Wholesale Broker
