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Equipment Breakdown Protection Coverage

Summary: In 2007, Insurance Services Office changed the named of the Boiler and Machinery program to Equipment Breakdown. This was done to more clearly emphasize the broadness of the coverage provided by the program. The Equipment Breakdown program is written under ISO’s simplified commercial coverages program, by using EB 00 20 09 07 , equipment breakdown protection coverage form. In addition, a variety of endorsements are available under the program that extend or modify the equipment breakdown coverage.

This discussion offers an analysis of form EB 00 20, with its coverage agreement, exclusions, conditions, and definitions.

Topics covered:Equipment breakdown protection coverage form declarationsCoverage Exclusions Limits of insuranceDeductibles Equipment breakdown protection conditionsGeneral conditionsJoint or disputed loss agreementDefinitions

Equipment Breakdown Protection Coverage Form Declarations

The equipment breakdown coverage declarations page, in addition to noting the policy number, named insured, mailing address and policy period, provides spaces to show the limits of insurance for the various coverages offered through EB 00 20. Insurance applies only to a coverage for which a limit of insurance is shown on the dec page. The dec page also has spaces for listing optional coverages chosen by the insured, as well as for deductibles and additional insureds, mortgageholders, and loss payees.

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