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Think of Systems Breakdown Insurance as covering all the systems that keep your business running except boilers and heavy machinery. Systems like HVAC, security systems, inventory control systems or refrigeration systems.

While your commercial property insurance probably protects these systems in the event of a fire, will it cover damage or loss from an electrical short circuit or lightning strike? Probably not. We’ll be happy to incorporate SBI into your business protection plan, either as a stand-alone policy or as part of a comprehensive insurance program for your business.