Boiler and Machinery Coverage can be used to cover Damage to Property resulting from these Perils, as well as the resulting Business Income Losses. If for example, a store lost business income because its air conditioner system suffered a mechanical breakdown during the hottest week of summer, a properly arranged Boiler and Machinery Policy would cover both the physical damage and the resulting loss of business Income.
In General, Boiler and Machinery Insurance is a type of Insurance that fills a gap in Commercial Property Policies.
Steam Boiler Explosion, Electrical Injury (other than lightening) and mechanical breakdown are causes of loss that are typically excluded from Commercial Property Policies.