{"id":1909,"date":"2026-06-29T16:00:24","date_gmt":"2026-06-29T16:00:24","guid":{"rendered":"https:\/\/www.univesta.com\/insurance\/business\/equipements\/"},"modified":"2026-07-10T17:25:46","modified_gmt":"2026-07-10T17:25:46","slug":"equipment-breakdown","status":"publish","type":"insurance","link":"https:\/\/www.univesta.com\/en\/insurance\/business\/equipment-breakdown\/","title":{"rendered":"Equipment breakdown"},"content":{"rendered":"\n    <section class=\"title-description section\">\n        \n<span class=\"absolute top-0 left-0\" ><\/span>        <div class=\"wrapper\">\n            <div class=\"lg:grid-col\">\n                <div class=\"lg:col-span-6 xl:col-span-5\">\n                                            <h2 class=\"text-h2\"><p>Protect your machinery and your <span class=\"text-decorated-circle-top\">operations<\/span><\/p>\n<\/h2>\n                                    <\/div>\n\n                <div class=\"max-lg:mt-6 lg:flex lg:flex-col lg:col-span-6 lg:col-start-7\">\n                    <div class=\"wysiwyg-container \">\n    <p>Equipment Breakdown insurance covers sudden, accidental damage to your mechanical, electrical, or electronic equipment. It pays toward repairing or replacing the equipment, along with certain financial losses that follow.<\/p>\n<p>It does exclude normal wear and gradual deterioration. It works alongside your property insurance, covering situations like an internal breakdown or a failure with no visible external cause.<\/p>\n<\/div>                <\/div>\n            <\/div>\n        <\/div>\n    <\/section>\n\n\n\n    <section class=\"accordions  || section\">\n        \n<span class=\"absolute top-0 left-0\" ><\/span>        <div class=\" wrapper || lg:grid-col\">\n            <div class=\"mb-6 || lg:mb-0 lg:col-span-6 xl:col-span-5\">\n                    <div class=\"intro-sided\">\n                    <h2 class=\"text-h2 [&#038;_em]:font-secondary\">FAQ<\/h2>\n                <div class=\"wysiwyg-container || mt-5 lg:mt-8\">\n    <p>Have questions about your coverage? Find quick answers to the ones we hear most often.<\/p>\n<p>If your situation needs a closer look, or your question isn\u2019t here, our team is happy to help. Reach out for answers tailored to you: 1 833 789-9203.<\/p>\n<\/div>            <\/div>\n            <\/div>\n            <div class=\"accordions-container || space-y-5 lg:col-start-7 lg:col-span-6\">\n                \n    <div class=\"accordion || js-accordion-parent accordion-section || group custom-transition rounded-lg px-5 [&#038;.js-accordion-line--opened]:bg-accent hover:bg-accent bg-white || lg:px-8\">\n        <button aria-controls=\"accordion-answer-0\" aria-expanded=\"false\" class=\"js-accordion-trigger || appearance-none relative flex flex-col items-start py-[1.375rem] w-full cursor-pointer || sm:flex-row sm:items-center sm:gap-x-6 lg:py-8 2xl:gap-x-8\">\n            <h3 class=\"text-h5 || font-normal pr-16 transition-colors duration-200 text-left group-hover:text-white [.accordion.js-accordion-line--opened_&#038;]:text-white || sm:pr-20\">\n                How is this different from my property insurance?            <\/h3>\n            <div class=\"js-accordion-button || absolute right-0 top-1\/2 -translate-y-1\/2 flex items-center justify-center [.accordion.js-accordion-line--opened_&#038;]:rotate-0 rotate-180 custom-transition [&#038;_svg]:w-[40%] [&#038;_path]:stroke-textcolor group-hover:[&#038;_path]:stroke-white [.accordion.js-accordion-line--opened_&#038;_path]:stroke-white size-[1.875rem]\">\n                <svg width=\"21\" height=\"13\" viewBox=\"0 0 21 13\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M2 11.5L10.5 3L19 11.5\" stroke=\"black\" stroke-width=\"3\"\/>\n<\/svg>\n            <\/div>\n        <\/button>\n        <div class=\"js-accordion-answer || block h-0 overflow-hidden\">\n            <div class=\"wysiwyg-container || wysiwyg-small pb-[1.875rem] pt-[0.875rem] max-w-[760px] wysiwyg-light lg:pt-2 lg:pb-8\">\n    <p>Property insurance mainly covers damage from external events, like fire or water damage. Equipment Breakdown, on the other hand, can cover internal failures or mechanical breakdowns with no external cause.<\/p>\n<\/div>        <\/div>\n    <\/div>\n\n\n    <div class=\"accordion || js-accordion-parent accordion-section || group custom-transition rounded-lg px-5 [&#038;.js-accordion-line--opened]:bg-accent hover:bg-accent bg-white || lg:px-8\">\n        <button aria-controls=\"accordion-answer-1\" aria-expanded=\"false\" class=\"js-accordion-trigger || appearance-none relative flex flex-col items-start py-[1.375rem] w-full cursor-pointer || sm:flex-row sm:items-center sm:gap-x-6 lg:py-8 2xl:gap-x-8\">\n            <h3 class=\"text-h5 || font-normal pr-16 transition-colors duration-200 text-left group-hover:text-white [.accordion.js-accordion-line--opened_&#038;]:text-white || sm:pr-20\">\n                Do I really need it?            <\/h3>\n            <div class=\"js-accordion-button || absolute right-0 top-1\/2 -translate-y-1\/2 flex items-center justify-center [.accordion.js-accordion-line--opened_&#038;]:rotate-0 rotate-180 custom-transition [&#038;_svg]:w-[40%] [&#038;_path]:stroke-textcolor group-hover:[&#038;_path]:stroke-white [.accordion.js-accordion-line--opened_&#038;_path]:stroke-white size-[1.875rem]\">\n                <svg width=\"21\" height=\"13\" viewBox=\"0 0 21 13\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M2 11.5L10.5 3L19 11.5\" stroke=\"black\" stroke-width=\"3\"\/>\n<\/svg>\n            <\/div>\n        <\/button>\n        <div class=\"js-accordion-answer || block h-0 overflow-hidden\">\n            <div class=\"wysiwyg-container || wysiwyg-small pb-[1.875rem] pt-[0.875rem] max-w-[760px] wysiwyg-light lg:pt-2 lg:pb-8\">\n    <p>Yes \u2014 especially if your equipment is costly or essential to your operations. A breakdown can shut down production and cost you serious revenue. This coverage helps limit the financial hit and get you running again faster.<\/p>\n<\/div>        <\/div>\n    <\/div>\n\n\n    <div class=\"accordion || js-accordion-parent accordion-section || group custom-transition rounded-lg px-5 [&#038;.js-accordion-line--opened]:bg-accent hover:bg-accent bg-white || lg:px-8\">\n        <button aria-controls=\"accordion-answer-2\" aria-expanded=\"false\" class=\"js-accordion-trigger || appearance-none relative flex flex-col items-start py-[1.375rem] w-full cursor-pointer || sm:flex-row sm:items-center sm:gap-x-6 lg:py-8 2xl:gap-x-8\">\n            <h3 class=\"text-h5 || font-normal pr-16 transition-colors duration-200 text-left group-hover:text-white [.accordion.js-accordion-line--opened_&#038;]:text-white || sm:pr-20\">\n                Is a power surge or outage covered?            <\/h3>\n            <div class=\"js-accordion-button || absolute right-0 top-1\/2 -translate-y-1\/2 flex items-center justify-center [.accordion.js-accordion-line--opened_&#038;]:rotate-0 rotate-180 custom-transition [&#038;_svg]:w-[40%] [&#038;_path]:stroke-textcolor group-hover:[&#038;_path]:stroke-white [.accordion.js-accordion-line--opened_&#038;_path]:stroke-white size-[1.875rem]\">\n                <svg width=\"21\" height=\"13\" viewBox=\"0 0 21 13\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M2 11.5L10.5 3L19 11.5\" stroke=\"black\" stroke-width=\"3\"\/>\n<\/svg>\n            <\/div>\n        <\/button>\n        <div class=\"js-accordion-answer || block h-0 overflow-hidden\">\n            <div class=\"wysiwyg-container || wysiwyg-small pb-[1.875rem] pt-[0.875rem] max-w-[760px] wysiwyg-light lg:pt-2 lg:pb-8\">\n    <p>Yes \u2014 if it causes an internal breakdown in your equipment, such as a damaged circuit board.<\/p>\n<\/div>        <\/div>\n    <\/div>\n\n            <\/div>\n        <\/div>\n    <\/section>\n\n\n\n    <section class=\"offset-cards section\">\n        \n<span class=\"absolute top-0 left-0\" ><\/span>        <div class=\"wrapper\">\n            <div class=\"flex flex-col gap-8 || lg:grid-col lg:relative\">\n                <div class=\"lg:sticky lg:top-8 lg:h-fit lg:col-start-1 lg:col-span-5\">\n                        <div class=\"intro-sided\">\n                    <h2 class=\"text-h2 [&#038;_em]:font-secondary\"><span class=\"text-decorated-circle-bottom\">Why<\/span> work with a business insurance broker<\/h2>\n                <div class=\"wysiwyg-container || mt-5 lg:mt-8\">\n    <p>An independent broker works for you, not for an insurer \u2014 comparing offers, advising you, and standing up for your interests at every step.<\/p>\n<\/div>            <\/div>\n                <\/div>\n                <div class=\"flex flex-col gap-5 || lg:col-start-6 lg:col-span-7 xl:col-start-7 xl:col-span-6\">\n                    \n<div class=\"offset-card || px-5 pt-5 pb-6 flex flex-col justify-between rounded-image bg-tertiary odd:bg-white || lg:pl-8 lg:px-8\">\n            <h3 class=\"text-h4 \">Access to multiple insurers<\/h3>\n        <div class=\"wysiwyg-container || mt-8\">\n    <p>Your broker shops the market for you across a range of insurers and brings you the best options. The result: coverage that genuinely fits the way you do business.<\/p>\n<\/div><\/div>\n<div class=\"offset-card || px-5 pt-5 pb-6 flex flex-col justify-between rounded-image bg-tertiary odd:bg-white || lg:pl-8 lg:px-8\">\n            <h3 class=\"text-h4 \">Advice built around you<\/h3>\n        <div class=\"wysiwyg-container || mt-8\">\n    <p>No off-the-shelf solutions here. Our experts look at your situation, the risks in your sector, and what you actually need, then recommend coverage that\u2019s right-sized \u2014 neither too much nor too little.<\/p>\n<\/div><\/div>\n<div class=\"offset-card || px-5 pt-5 pb-6 flex flex-col justify-between rounded-image bg-tertiary odd:bg-white || lg:pl-8 lg:px-8\">\n            <h3 class=\"text-h4 \">An ally at claims time<\/h3>\n        <div class=\"wysiwyg-container || mt-8\">\n    <p>When something happens, your broker is on your team \u2014 guiding you through the claim, defending your interests with the insurer, and making sure your business gets everything it\u2019s entitled to.<\/p>\n<\/div><\/div>                <\/div>\n            <\/div>\n        <\/div>\n    <\/section>\n\n\n\n\n    <section class=\"cta-banner-image || section || last-of-type:!mb-10 xl:last-of-type:!mb-14\">\n        \n<span class=\"absolute top-0 left-0\" ><\/span>        <div class=\"flex flex-col\">\n            <div class=\"wrapper || flex flex-col flex-1 || lg:w-full\">\n                <div class=\"relative flex-1 flex items-center justify-center rounded-image overflow-hidden\">\n                                            <div class=\"absolute inset-0 overflow-hidden\">\n                            <span data-parallax=\"0.15\" class=\"block size-full\">\n                                <div class=\"thumbnail w-full size-full object-cover scale-110 parallax-container\"\n    style=\"padding-bottom: 32.469512195122%\"\n  >\n\n  <img decoding=\"async\" width=\"1920\" height=\"1010\" data-src=\"https:\/\/www.univesta.com\/wp-content\/uploads\/2026\/07\/Univesta-Assurances-Hero-retouche-1920x1010.png\" class=\"parallax-container-image lazyload\" alt=\"Image de fond\" data-srcset=\"https:\/\/www.univesta.com\/wp-content\/uploads\/2026\/07\/Univesta-Assurances-Hero-retouche-1920x1010.png 1920w, https:\/\/www.univesta.com\/wp-content\/uploads\/2026\/07\/Univesta-Assurances-Hero-retouche-1536x808.png 1536w, https:\/\/www.univesta.com\/wp-content\/uploads\/2026\/07\/Univesta-Assurances-Hero-retouche-2048x1078.png 2048w, https:\/\/www.univesta.com\/wp-content\/uploads\/2026\/07\/Univesta-Assurances-Hero-retouche-1400x737.png 1400w, https:\/\/www.univesta.com\/wp-content\/uploads\/2026\/07\/Univesta-Assurances-Hero-retouche-1024x539.png 1024w, https:\/\/www.univesta.com\/wp-content\/uploads\/2026\/07\/Univesta-Assurances-Hero-retouche-640x337.png 640w, https:\/\/www.univesta.com\/wp-content\/uploads\/2026\/07\/Univesta-Assurances-Hero-retouche-480x253.png 480w, https:\/\/www.univesta.com\/wp-content\/uploads\/2026\/07\/Univesta-Assurances-Hero-retouche-350x184.png 350w, https:\/\/www.univesta.com\/wp-content\/uploads\/2026\/07\/Univesta-Assurances-Hero-retouche-150x79.png 150w\" data-sizes=\"(max-width: 1920px) 100vw, 1920px\" style=\"--smush-placeholder-width: 1920px; --smush-placeholder-aspect-ratio: 1920\/1010;object-position: 92% 77%;\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" \/><\/div>                            <\/span>\n                        <\/div>\n                        <div class=\"absolute inset-0 overflow-hidden bg-accent\/30\"><\/div>\n                    \n                    <div class=\"relative z-10 flex flex-col items-center px-5 py-[87px] || lg:max-w-[650px]\">\n                                                    <h2 class=\"text-h2 || text-light mb-8 text-center\">What <span class=\"text-decorated-underline-wavy\">matters to you<\/span> matters to us.<\/h2>\n                                                <div class=\"wysiwyg-container || text-center wysiwyg-light\">\n    <p>We take the time to really understand your situation, so we can protect you better.<\/p>\n<\/div>                            <a href=\"tel:18337899203\" class=\"orange mt-6 || lg:mt-8 btn-primary\"  target=\"\" rel=\"noopener\" >\n        Call us 1 833 789-9203    <\/a>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/section>\n","protected":false},"excerpt":{"rendered":"<p>Univesta protects your equipment against sudden accidental breakdowns. Minimize costly downtime with coverage tailored to your business operations.<\/p>\n","protected":false},"featured_media":1910,"parent":1602,"menu_order":0,"template":"","meta":{"_acf_changed":false,"wds_primary_example-category":0},"example-category":[32,31,30],"class_list":["post-1909","insurance","type-insurance","status-publish","has-post-thumbnail","hentry","example-category-large-business","example-category-mid-sized-business","example-category-small-business"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.univesta.com\/en\/wp-json\/wp\/v2\/insurance\/1909","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.univesta.com\/en\/wp-json\/wp\/v2\/insurance"}],"about":[{"href":"https:\/\/www.univesta.com\/en\/wp-json\/wp\/v2\/types\/insurance"}],"up":[{"embeddable":true,"href":"https:\/\/www.univesta.com\/en\/wp-json\/wp\/v2\/insurance\/1602"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.univesta.com\/en\/wp-json\/wp\/v2\/media\/1910"}],"wp:attachment":[{"href":"https:\/\/www.univesta.com\/en\/wp-json\/wp\/v2\/media?parent=1909"}],"wp:term":[{"taxonomy":"example-category","embeddable":true,"href":"https:\/\/www.univesta.com\/en\/wp-json\/wp\/v2\/example-category?post=1909"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}