FAQs

No. Commercial auto typically covers vehicles your business owns and drives. Garage coverage is built around servicing, selling, or storing others’ vehicles and often includes garagekeepers.

Not typically, since the property portion generally excludes them. Those may be arranged separately, and we can discuss options.

Growth in revenue, locations, vehicles, or property, or a change that affects eligibility, are common signs. We will review whether a CPP fits better.

Yes, that flexibility is a key reason businesses choose a CPP. We will help you decide what to include.

Standard property typically excludes the equipment’s own mechanical, electrical, or pressure breakdown, so this coverage is usually added on.

A BOP is a simpler bundle for smaller, eligible businesses. A CPP is more flexible and suits larger or more complex operations that have outgrown a BOP. ...

Many programs include business income and extra expense from a covered breakdown. We will review what fits your operation.

No. A warranty covers defects and upkeep. Equipment breakdown insurance covers sudden accidental failure and the resulting business losses.

Often yes, when a covered breakdown causes the spoilage, such as a refrigeration failure. We will confirm the limits.

Enough to cover lost income and the expenses that continue during a realistic recovery period, which is the part most often underestimated. The figure is usually built from a ...