During construction projects, several essential systems such as electrical, heating, or air conditioning are put into operation well before the work is complete. These systems, often in use for months, are exposed to increased risks of mechanical or electrical breakdowns.
However, most standard construction insurances do not cover this type of damage. Common exclusions include motors, short circuits, or handling errors. Construction Equipment Breakdown Insurance fills this gap. It provides specific protection for accidental damages that occur during construction or critical phases such as commissioning and testing.
This coverage is crucial to avoid high replacement costs, project delays, or unforeseen financial losses. It is designed for projects that integrate complex and expensive systems from the earliest stages of construction.
Construction Equipment Breakdown Insurance offers essential complementary protection to standard construction insurance. It covers sudden and accidental damages that may affect your mechanical and electrical equipment during construction, as well as during critical phases like startup testing. This type of insurance helps reduce project interruptions and unexpected repair or replacement costs.
It complements manufacturer warranties, which often exclude damages caused by external factors or installation errors. It also covers expenses usually excluded from standard policies, such as the removal and installation of replacement equipment.
To select the right coverage, it is important to carefully evaluate your needs with an advisor from J. Gérard Fortin & Associates. They will help you:
Determine the appropriate coverage level based on the nature and value of your equipment.
Identify additional options such as warranty extensions during the testing phase.
Understand exclusions and anticipate project-specific risks.
Commonly covered equipment includes:
Breakdowns during testing can result in costly replacements.
Panels, transformers, sensitive cables, and various installations.
Vulnerable to invisible damage during installation.
Essential for the proper operation of the building.
Electronic and mechanical components integrated into modern buildings.
This insurance protects mechanical and electrical equipment used during construction against accidental breakdowns caused by electrical arcs, power surges, mechanical failures, or installation errors. It is essential because standard construction insurance policies often do not cover these risks, and repairs can lead to significant costs and delays.
It covers air conditioning systems, electrical installations (panels, transformers, cables), underground cables, heating and hot water systems, as well as building automation systems. Coverage also includes equipment during commissioning tests, a particularly vulnerable period.
It is important to consult an expert who will assess the specific risks of your construction site and the equipment installed. This will allow you to determine the appropriate coverage level, necessary additional options (such as extended warranty for testing), and understand any possible exclusions to obtain complete and personalized protection.