Boiler & Machinery / Equipment Breakdown
Insurance Expert Witness

Boiler & Machinery/Equipment Breakdown Insurance

Boiler & Machinery insurance – more commonly known today as Equipment Breakdown Protection – originated in the 1800s, when steam boilers provided the power to run equipment and machinery.

Equipment Breakdown coverage is designed to insure "mechanical or electrical breakdowns” typically excluded in Property insurance policies. As follows, nearly all businesses face exposure to Equipment Breakdown. Some common examples of industries needing Equipment Breakdown coverage include:

Breakdown Coverage for Electronic Equipment

Computers and other electronics require specialized Electronic Data Processing policies. These policies insure against losses resulting from direct physical accidents (including electric surge), reinstallation of software, and the cost of reconstructing data and media.

Coverage for Business Income and Extra Expense loss, due to computer or electronics “Equipment Breakdown,” can also be insured under these policies.

Our Experience with Boiler & Machinery/Equipment Breakdown Coverage

Mr. Daniel’s experience with Boiler & Machinery coverage dates to 1975. Whether your case involves direct damage to computers, machinery, boiler explosion, electric arcing or a consequential loss (i.e., food spoilage due to refrigeration loss), we have likely dealt with similar coverage or claims issues.

We welcome a call to discuss your specific case issues: 817.980.4897.

Cases are listed only after we are disclosed as an Insurance Expert to opposing counsel.

November 2010 – Engaged by counsel for policyholder as their Boiler & Machinery  and  Property Insurance Expert.  Case required analysis of  Insurance Bad Faith regarding carrier’s claims handling practices.  Case required detailed review of large Boiler & Machinery loss due to pressure vessel implosion at a Chlor alkali plant near Las Vegas, NV.  Olin Chlor Alkali Products v. Continental Casualty, et al, Case No. 2:10-cv-00625-GMN-RJJ in United States District Court for the District of Nevada.  Attorney for policyholder Lorie Masters, Jenner & Block LLP, (202) 639-6076

June 2008 – Consulted as Property Insurance Expert for claims under Inland Marine, Boiler & Machinery and Business Income coverage. Case involved damage to a printing press during transport and upon arrival at a new location. Northeast Impressions, Inc., et al v. Camden Fire, et al; Superior Court of New Jersey, Passaic County Docket No. PAS-L-390-07. Tom Lloyd (973) 863-7612 Morgan Melhuish Abrutyn, Attorneys

August 2006 - Engaged by defense counsel to analyze claims issues relative to coverage for Boiler & Machinery losses under a Lloyds Ocean Marine Builders Risk policy. Attorney Clif Hall - Westmoreland Hall, PC (713) 871-9000. Smith-Enron et al v. Underwriters at Lloyds, et al; Cause No. A-175389, Jefferson County Texas 58th Judicial District.

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Burl Daniel, CPCU, CIC, CRM     |     817.980.4897    |     burl@burldaniel.com