Mechanical Breakdown Insurance

When you own your own business, it's important to protect your equipment and keep it safe. Obviously, without functioning equipment you lose money and business. This is why it is so important to have your equipment insured. While most business owners see the need for basic insurance, many don't think about mechanical breakdown insurance and all its variables. Including coverage for mechanical breakdowns in your policy helps secure your overall business insurance package by guarding against costly repairs.

Features of Mechanical Breakdown Insurance Policies

Mechanical breakdown insurance can cover lost income due to mechanical breakdowns that happen in your business, including losses due to faulty machinery and vehicles. It is also important to make sure your insurance covers liability. When a mechanical breakdown occurs with your equipment, an employee or customer could be injured. There are many policies that can be applied to various business risks that involve the possibility for mechanical breakdowns and their effects. Flathead Insurance agents are more than happy to speak to you about your options.

Businesses may also encounter liability issues if an employee or member of the public is injured due to a breakdown. Liability coverage is also essential, especially if you use equipment such as lawn mowers or hazardous construction equipment, or work in precarious locations like scaffolding or rooftops, where an employee or a member of the public could be injured. When you are working on another person's property or business, your personal liability risk increases as well as your liability for damaged property.

Insurance rules vary from state to state and it is important to have an insurance agent that understands these differences. If you work in more than one state, you may need additional coverage. We can help you determine whether or not additional licensure or coverage is necessary.

Call our office to find out how you can be completely covered in the event of a mechanical breakdown. We can help you make sure you have the best possible coverage, including liability that could result from a breakdown. If you are an existing customer, call our office to get an insurance tune-up to make sure your mechanical breakdown insurance policy is up to date.

Our Locations

Kalispell Location

2330 Highway 2 East
Kalispell, MT 59901
Main office: 406-413-9786

Bigfork Location

435 Grand Drive
Bigfork, MT 59911
Main office: 406-413-9765

Our Providers

Great service and competitive rates! You guys are awesome!
Mitchell McKinley
Amazing amazing AMAZING! "This is for contractors liability insurance" My insurance agent (10 years) retired last year...I went into Flathead Insurance for a quote yesterday & HAVE COVERAGE TODAY!!!
Ben Hageman
I contacted James Entzi and he has been incredible in supporting me with great service and highly competitive pricing on car and home insurance leading up to the move, and continues to help at every turn now that I am finally a local Montanan!
Dennis Gibson
Great service, looked things up when they were not 100%on. Was personal asked about life and family.
Kirstin Palmer
I cannot thank James and Lisa Thoms enough and their fantastic, friendly and highly efficient customer service.
Dennis Gibson
Lisa was knowledgeable, prepared and answered all my questions in a timely manner. Very helpful and I know Flathead Insurance will be there if I need their assistance.
Austin Deitrick
Thank you Flathead Insurance for your outstanding service and for being so wonderful!
Ben Hageman
Look no further if you need insurance help in the Flathead!!
Dennis Gibson