They respond to different causes. Commercial property is generally written around external events such as fire, theft, or water. Equipment breakdown is written for the machine failing on its own, including mechanical and electrical failure, motor burnout, and pressure equipment, which is the more likely way a press stops. The two are separate coverage parts with separate limits and deductibles, and lost income from downtime is a third consideration again. The figure that governs is on your declarations page, and we are glad to read it with you.
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