Machinery Insurance

  • Machinery Breakdown,
  • Business Interruption,
  • MD BI

Suits: SMEs, UK and multinational corporations

RSA has a proven history, with over a century of technical underwriting expertise in all aspects of this cover. We understand that businesses need to deliver products and services to their customers on time and that an unexpected interruption due to the breakdown of vital equipment or machinery can have significant ramifications for all parties. We aim to have the machinery back up and running as soon as possible.

With a straightforward, comprehensive and flexible wording along with vastly experienced underwriters, we are able to give clients the peace of mind that their livelihood will be protected in the event of a loss. 

The policy covers all installed machinery, or specified plant and equipment, at specific locations for sudden and unforeseen damage, including pressure explosion, collapse, breakdown, accidental damage and toppling.

We also cover damage arising from the operator's error or omission during the normal operations of the machinery.

We insure:

  • Boiler and Pressure Plant
  • Cranes and Lifting Machinery
  • Lifts and Hoists
  • Electrical and Mechanical Plant

In the event of an insured loss, RSA will cover your customers for the value of the property destroyed or the cost of repair. At its option, RSA may reinstate or replace the plant from any cause not excluded.

Our policy dovetails to a company’s property covers, providing a blanket “All Risks” cover.

We also offer Business Interruption cover as part of our Machinery policy. In the event that the operation of your customer’s business is interrupted by an insured event, we will pay the profit or revenue lost by your customer as a direct result.

The Machinery Cover also contains standard extensions, including:

Temporary Removal – The perils covered are extended to include fire and theft whilst the property is temporarily removed for repair, maintenance, overhaul or inspection.

Additional Property – Cover is provided in respect of any additional installed plant of a similar nature and capacity to that covered under the policy.

Temporary Repairs – We will pay the reasonable cost of effecting the temporary repair, up to a limit of £10,000.

Pressure Explosion Damage to Owned Property – We will cover your client against pressure explosion damage to surrounding property belonging to the customer or for which they are responsible.

Cost of Replacement Equipment – We will pay the cost of hiring in substitute plant until repairs have been carried out on damaged property.

Sweet spots

Examples of where we have a particularly strong appetite, are actively targeting, and have been found to be at our most competitive.

  • Breweries, distilleries, bottling and soft drink manufacture
  • Food canning, packing, bakeries and dairies
  • Textile and clothing manufacture
  • Dyers and finishers
  • Laundries and dry cleaners
  • Electrical and light engineering
  • Printing
  • Plastics manufacture
  • Offices, shops and leisure centres


Risks we would never write, or write only rarely forming a small part of a wider portfolio.

  • Prototypical/Unproven technology and machinery

Case Study

Air handling combustion unit replaced under Machinery Breakdown cover

Whilst investigating an unrelated uninsured problem, premature cracking was discovered in an air handling unit combustion unit.

Read more


Richard Hampson
Underwriting Leader
07768 143 084
Iain Geekie
Underwriting Leader
07771 975 081

Claims Information

Main claims number:
0330 102 4026