Business Insurance - Breakdown Coverage

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MECHANICAL AND ELECTRICAL BREAKDOWN

With Mechanical and Electrical Breakdown Coverage, your business is protected from virtually any loss caused by a defined accident to electrical, mechanical, or pressure equipment. It covers damage to the full range of equipment that your business depends on most, including heating and cooling systems, transformers, distribution panels, motors, pumps, compressors, computers, fax machines, telephone systems, duplicating machines, and diagnostic equipment.

Mechanical and Electrical Breakdown Coverage can be added by endorsement to The ERIE's Ultraflex Package Policy to cover you for losses in these areas:

• Property Loss-buildings, equipment, contents-on a Replacement Cost basis.
• The extra cost of expediting repairs.
• Your liability for damage to other people's property in your care, custody, or control.
• Business interruption.
• Extra expenses incurred to restore to normal operations.
• Spoilage resulting from a loss of power, light, refrigeration, heat or steam, caused by an insured accident.

Protect your business with Mechanical and Electrical Breakdown Coverage. It's the best protection you can buy for your premium dollar.

PACKAGE POLICIES HAVE GAPS.

Many Comprehensive Perils Property Policies (including ERIE's Ultraflex) exclude losses arising from electrical arcing, mechanical breakdown, explosion due to excess pressure or centrifugal force, short circuits, line surges, and more! These are the types of accidents that can cause major losses-or even put a company out of business.

WARRANTIES AND MAINTENANCE CONTRACTS HAVE GAPS.

More than 35 percent of all equipment accidents are caused by operator error. Warranties and contracts usually won't cover this type of accident; they won't cover business interruption, extra expenses, or spoilage either.

MECHANICAL AND ELECTRICAL BREAKDOWN COVERS THE GAPS.

Just think of all the mechanical and electrical equipment your company depends on every day. Mechanical and Electrical Breakdown Coverage provides the protection you need to run that equipment without worry. Mechanical and Electrical Breakdown Coverage will help keep you and your company in business.

LET MECHANICAL AND ELECTRICAL BREAKDOWN PROTECT YOU FROM THESE KINDS OF LOSSES.

Most policies don't cover these kinds of losses. But ERIE's Mechanical and Electrical Breakdown Coverage does. Imagine all of the other potential losses for which you may need Mechanical and Electrical Breakdown Coverage.

• A restaurant's refrigeration system was damaged by a power surge. The restaurant had to be closed while repairs were made.
  Property Damage: $12,940
  Business Interruption: $11,321
  Spoilage: $26,900
• An air conditioning system for one unit of a shopping center failed.
  Property Damage: $5,000
• A print shop's four-color offset printing press was damaged when a two-inch diameter wheel broke and entered the cylinders.
  Property Damage: $48,478
  Business Interruption: $75,687
• Two terminal boards in the phone computer at an office building burned out due to fluctuation in the voltage.
  Property Damage: $52,500
• An apartment building's electrical equipment burned out, causing extensive damage. Residents had to be relocated temporarily.
  Property Damage: $118,681
  Extra Expenses: $72,152
• A dry cleaner's boiler overheated due to accumulation of scale.
  Property Damage: $8,498
  Business Interruption: $7,350